What to do if I filed a Chapter 7 and reaffirmed my mortgage but the bank has not acknowledged my discharge?

I signed a reaffirmation agreement for my home and my attorney also signed it. The bankruptcy was discharged 4 years ago. However, I cannot get the mortgage company to acknowledge that the bankruptcy has been discharged even though I’ve sent them a copy of the discharge letter from the courts. I’ve continued to pay the mortgage but would like this straightened out so I can refinance.

Asked on August 2, 2013 under Bankruptcy Law, Georgia


Terence Fenelon / Law Offices of Terence Fenelon

Answered 7 years ago | Contributor

The question is confusing.  Whether your bank recognizes a discharge is irrelevant for purposes of refinancing.  If, however, you are trying to refinance through the same lender, that may be a differeant story.  They may not want to deal with you.

The only party that should be interested in the discharge id your potential lender.

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