I'm in the process of a Ch. 7 and haven't been discharged yet.
I'm living in my home, and current on a modified first and late on a second with BofA. I do not intend on reaffirming this mortgage but originally thought I'd continue to live here as long as possible. That may now be shorter than I anticipated and might stop paying mortgage and saving until they kick me out.
Now, in the meantime, I am desperate for a car as I surrendered mine as it was worth half of what I owe. I'm looking at whatever I can afford, used but I'd need a loan for it. On the credit app, if I don't intend to pay my mortgage anymore,do I list that as a payment anyway or should I say I pay zero and let them know I plan on surrendering the home? Don't want to lie about it,but also if I'm not paying it that would help on the credit app I'd think?
I'm living in my home, and current on a modified first and late on a second with BofA. I do not intend on reaffirming this mortgage but originally thought I'd continue to live here as long as possible. That may now be shorter than I anticipated and might stop paying mortgage and saving until they kick me out.
Now, in the meantime, I am desperate for a car as I surrendered mine as it was worth half of what I owe. I'm looking at whatever I can afford, used but I'd need a loan for it. On the credit app, if I don't intend to pay my mortgage anymore,do I list that as a payment anyway or should I say I pay zero and let them know I plan on surrendering the home? Don't want to lie about it,but also if I'm not paying it that would help on the credit app I'd think?