I can't believe it, the power of the discharge order is STRONG (citimortgage)

[BKorbust]

Very nice I'd love to see more of this. Very impressive for a pro se filer.

[BrokeinMD]

Wow....If I recall correctly, your friend filed pro se, right? Did he/she walk from the house or stay?

Your friend is brave to face this battle alone. Is he/she an attorney themselves, crazy, or just straight up Bold? Bravo, whatever the situation!

[mysticspirit25]

Hi Mystic, interesting story. Was the repo of a vehicle?

Yes, it was a motorcycle voluntary repo. Honda was properly listed on the schedules and even on the questions they ask you on the petition about payments over $600 and repossessions, and a year and a half later they sold at auction and sent a letter with the deficiency balance and a demand for payment in bold. They now have an AP on their way too.

[BrokeinMD]

Hi Mystic, interesting story. Was the repo of a vehicle?

[panda]

Wow! I am impressed. If this is true the little guy may have finally gotten ahead in this mess of dumb things creditors do to make one miserable.

[mysticspirit25]

My good friend who filed CH7 in 09, had 2 mortgages against his property. He also had a repossession. He recently re-opened his case to go after the creditor who sent him deficiency notices in regards to the repo, demanding money. While he was at it, he had $86k discharged on a Citimortgage 2nd. He never reaffirmed, and it eventually was purchased by the insurer. Originally they had offered to settle for 10%, but he told him no, and he told them he reopened his BK, and was going to go after them for pulling his credit (they said they had PP as they were an insurer, but really did not), plus they sent him bills for months stating an amount due. He drafted a complaint last night and emailed it to the loss mitigation dept, and today they said they were wiping the lien out if he agreed to not sue in BK court. He showed me the settlement agreement, they paid out over 80k to Citi on a claim and are just dropping the lien and releasing the property.

Seems too good to be true, but it is. I guess the threat of an AP really does scare some people.