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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 that sometimes get asked WAY …

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“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 to apply for a loan …

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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 terms of the original loan. …

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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 both in a short period …

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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 they no longer hold legal …

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