Can I be charged a late fee before I reaffimed a debt in Chapter 7

[sherrenee]

I made a payment to my mortgage on 9/19 not due until 9/20. I got charged a late fee. Can they even charge late fees period prior to reaffirmation?

[keepmine]

I'd contact them and ask why they charged a late fee to begin with. It just may be a mistake.

[sherrenee]

Yes I plan to but I was also wondering if there was a rule about late fees prior to reaffirmation and/or discharge of debt. This way if they refuse I have a second route to take.

[IBroke]

That was after discharge, right?

Now, leaving out the fact that you shouldn't have been charged in the first place, I'd say yes.

The contractual agreement is still the same - just with no personal liability for you. But that's just my opinion, not 100% sure on that.

[sherrenee]

No we haven't been discharged yet. We hadn't even filed our reaffirmation agreement at that point

[IBroke]

No we haven't been discharged yet. We hadn't even filed our reaffirmation agreement at that point

Why do you want to sign a reaffirmation agreement in the first place? If you can handle the payments and are current, there's absolutely no need to...