House after bk question
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|Thu, 02-21-2013 - 6:33pm|
My husband and I filed Ch. 7 and were discharged three years ago next month. Our house was included in the bk (we did not reaffirm) but we have been paying for it the last 3 years and are current with no late payments. Our mortgage was recently sold to a new company(just switched to them this month). I had to call customer service and the rep asked what our intention was with the house? My only answer was that we are making the payments. He stated, "I will put that your intention is to keep the house." First question, can he ask that? Second, does it really matter our intent since it was discharged in bk and we are no longer financially responsible for payments i.e it won't go against our credit if we don't pay since it isn't reported on our credit report anyway, just shows as included in Ch 7 bk? We have quite a bit of equity in our house so it would be sold before it would be foreclosed as we would want to get the equity in our pocket not just let it go.
Do we have additional responsibilities to this new lender that we did not have with our previous one? This loan was sold and we have not signed, confirmed, etc anything with this company. Any tips or advice in handling this situation aside from making our payments as usual?
Thanks so much!