Nonpayment after discharge

[GGoins]

I have a mobile home ,14 years old ,filed chap 7 ,10 years ago did not reaffirm the loan but continued to make payments. There are 5 years left on the note but I have to move out of state.
What bankruptcy protection do I have against law suit for the remainder of the note after reposession if I stop making payments?

[FilingOnMyOwn]

Why would you want to file bankruptcy again for that? Why don't you sell the home, or rent it out!

[SinkingFast]

If the debt/mortgage for the home was discharged in your previous BK filing, you have no responsibility for the home what so ever. You can walk away at any time and the home simply goes back to the bank.

Check out your BK paperwork. Call your old attny and have them check their files. Make sure of your ground regarding the debt before you do anything.

[Minnymouth]

Since you have 10 years equity in the MH and the note only has 5 years on it I would think about selling it first, before I just let it go back to the lender. Or sell it to someone so so much down, and let them take over payments. You might even consider renting it out thru a realtor. Till you decide what to do..... Don't make a rash judgement, you have a lot of cash invested in this already to take a total loss on it after all these years.