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Bankruptcy Issues

Determining Whether You Owe on a 2nd Mortgage Post-Bankruptcy

Was your home equity loan reaffirmed during your bankruptcy? Have you been making payments towards the debt religiously ever since your discharge without being sure if they are being applied or not? Do you actually owe the debt or was it included in your bankruptcy discharge? These are huge questions …

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Life After Bankruptcy

Walking Away from the House Post-Bankruptcy

“Walking away from the house” has become a common enough phrase that it is regularly bandied about amongst the public. This is a result of the recession in recent years that resulted in so many losing their homes, finding themselves upside down in their homes or considering moving out and …

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Bankruptcy Issues

Picking and Choosing: Bankruptcy & Creditors

When you file for bankruptcy, you do not have the choice of choosing which creditors to list in your bankruptcy – there is no picking and choosing! Your list of creditors should be all-inclusive even if you plan to pay them off yourself or even if they are not eligible for …

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Life After Bankruptcy

Post-Bankruptcy: Rebuilding Your Credit

Credit rebuilding is of no small importance in the life of a post-bankruptcy individual. Many of these individuals, however, have trouble finding a substantial source of income and, therefore, they may believe they will have some difficulty rebuilding their credit scores. I could understand why one would believe this, but …

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Life After Bankruptcy

Refinancing Your Home Loan Post-Bankruptcy

A common problem many post-bankruptcy homeowners have is refinancing one’s home loan. Many people have approached me in a situation wherein their lender refuses to refinance their loan on the grounds that they did not reaffirm their loan post-bankruptcy, therefore, they claim, there is no loan. Let me take a …

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Bankruptcy Issues

“Working a Deal” with your Mortgage Lender Post-Bankruptcy

In some situations, a mortgage lender will get in touch with a homeowner years after they filed for Chapter 13 bankruptcy suggesting that they “work a deal.” Is it possible to work a deal with your mortgage lender post-bankruptcy? The quick answer is yes! It sounds like an appropriate time …

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Bankruptcy Issues

Post-Bankruptcy: Buying a Car to Rebuild Credit?

If you are planning to file, are currently filed or have recently filed for bankruptcy, you have probably spent some time worrying about how you will rebuild your credit post-bankruptcy. We were recently asked if purchasing a car to rebuild credit post-bankruptcy is a good idea. There are a number …

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Bankruptcy Issues

Who Can Collect on My Home Loans Post-Bankruptcy?

After filing for Chapter 7 bankruptcy, you receive a discharge of debt. Many who do so, continue to pay their mortgage payments (and second mortgage payments) even though they did not reaffirm the debt during their bankruptcy. This means that they did not agree to continue paying according to the …

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Bankruptcy Issues

Signing a Deed in Lieu of Foreclosure Post-Bankruptcy

For many, divorce seems to lead to bankruptcy. We’re not marriage counselors or divorce experts so we can’t really say if the prevalent number of bankruptcies after divorce is due to the divorce or if the divorce is due to the need for bankruptcy. Regardless, many find themselves dealing with …

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Bankruptcy Issues

Post-Bankruptcy: Who Pays HOA Dues if Bank Doesn’t Foreclose?

In some cases, bankruptcy can provide a discharge of debts and relief from heavy financial burden, but then a seemingly random debt or financial responsibility will seem to have escaped the bankruptcy process. For many this comes in the form of Homeowners’ Association (HOA) dues and assessments on properties that …

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