My dh and I declared bankruptcy in Jun. of 07'. I reaffirmed my first and second mortgage. I kept receiving bills from mortgage one and we've paid that no problem. I called Beneficial/HSBC holder of second mortage. Not a very nice company by the way! They said they would not be sending anymore paper bills and they wouldn't take payments directly from my account. I paid for months until hardships broke out and we couldn't make the payment any longer. I called to set up arrangements but all I could do is leave messages. No one called back. I started back up and sent checks that I never got back and they never cashed. We decided this year to clean up our credit reports. Beneficial has listed that as an unsecured debt that was discharged during bankruptcy. I don't know what to do! I will be calling them Monday morning but I'm so confused as to WHY it would show up in all 3 of my Credit Reports and all 3 of my husbands as discharged. Anyone else have this happen? What did you do and what did the mortgage company do? I am trying to prepare mentally for Monday's conversation! :o)
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WHAT? 2nd Mortgage Confusion
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