We have not made a mortgage payment for about eleven months. We filed a Chapter 13 in June of 08 trying to keep the house, but then switched to a Chapter 7 in October 08 due to husbands health - making a decision to let the house go. We did not reaffirm mtg. We were discharged Feb. 09. I saw today on our credit report that the mortgage company (Beneficial/HSBC) has charged-off our home loan April 09. Does anyone have any idea when they will contact us to move? Will the house still go through foreclosure? We are trying to stay as long as possible, but don't want them to change the locks before we find another place to live!
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Yes, the house will go thru foreclosure, but it should not end up on your credit report since you already surrendered the house in your BK (did not reaffirm the mtg).
They will notify you. Also you can track your case in your district, just go online to your county clerk's office to check the status. Most county's are online now.Filed CH 7 9/30/2008
Discharged Jan 5, 2009! Closed Jan 18, 2009
I am not an attorney. None of my advice is legal advice in any way..
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