Help! Creditor's address changed since filing

[Just Lue]

Hi all. I filed Chapter 7, had 341 in September was discharged in November. At the time of my filing I filed the appropriate address for my mortgage company. Recently, the discharge notice was sent back as undeliverable to the mortgage company. I am, and always have been current on my mortgage. But I did not reaffirm, just plan to retain the house at this time.
They obivously received notice of my bankruptcy because they kept sending me my paper statement, and my credit report included in bankruptcy.

I appear to have had the correct correspondence address at the time of my filing, but when I check their web site their correspondence address changed.

I have given the correct information to my attorney. Is this going to cause any problems with my discharge? How was I to know their address changed after filing when they do not send statements? :-) Very scared now.

I am a small asset case. Had a $4,000 asset that was sold. However, I would not think the mortgage company rights have been violated as they would not be entitled to any proceeds as I am, and always been current on the mortgage, I just have chosen to to reaffirm on the advice of my attorney. It appears that they got the petition, just not the discharge. I am hoping with the address change and the discharge resent all will be okay?

Thanks. God, thought everything was fine, and now I am just sick.

Just Lue

[StaciMM]

I can't think of a reason that this would be a problem-they were notified of the BK. Your attorney will probably just sent the info to the address that they have changed to.

Your non exempt asset would go to unsecured creditors, as the home loan is either paid by you (as long as you keep it) or when they get the house back.

[Just Lue]

Thank you! However, what if they never did get the petition? And we have had the discharge and creditor's meeting, etc? I still don't think they can claim any prejudice as the mortgage was current, I have the right in CO not to reaffirm but keep the home if stay current, etc.

Guess just need to settle down? :-)

[Genenco]

Thank you! However, what if they never did get the petition? And we have had the discharge and creditor's meeting, etc? I still don't think they can claim any prejudice as the mortgage was current, I have the right in CO not to reaffirm but keep the home if stay current, etc.

Guess just need to settle down? :-)

Believe me, they did get the petition...Otherwise, they'd be calling and calling and calling you to find out where THEIR money is

It's ok to stress, this is common and just have the attorney/lawyer contact the creditor and get their new one.

[AAAArt]

Companies require a different address for notification, than the payment address. Why worry...Be safe. Call them and ask for the new/different address and re-send it, or have your atty do it. Art

[StaciMM]

I agree w/ Aaaart. It may not be too important now, but down the road if you decide to 'walk away' from the house & mortgage, it will be a headache if they don't have the account listed correctly.