Is it normal to be served during Foreclosure Process after Chapter 7

[BillsFan]

We have filed Chapter 7 in FL, been discharged, and did not reaffirm our home. We have since moved out. Our lawyer said we could just walk away.

Last night, we came home and found a Certified Process Server notification for the 12th Judicial Circuit Court. Is this part of the process or what should we expect?

[DebtEnder]

In a judicial foreclosure state the bank still has to go to court to take back the house. It is just part of the process.

[cory1848]

IF you are just being served Lis Pendens now, you have a good 9-12 months of it sitting there before much happens.

[drowning123]

Good to know, cuz I'm in NY where it's about the same.

[ccsjoe]

Yes, you will be served, notified, etc. CH7 discharged their ability to collect on the money BUT did not remove the lien nor your name from title. Doing the latter is a separate process under a separate law that is not to be construed as collection.