So, we are about 2 1/2 months post discharge and close for c7, no asset. I pulled DH and my Equifax reports today. Everything is listed correctly as IIB, -0- balance on both of our reports EXCEPT, the mortgage is still showing active on MY report only. We are current, never late and keeping the house...

I have a question surrounding home mortgage for you all. Well over median income, but high secured debt (mortgage) payment. If the mortage is included in the means test, easily pass, if not, its tougher.

If "in theory" your BK is supposed to be a "snapshot in time",...