If a credit card lien is wiped out in foreclosure, does it still follow the debtor’s other property?

Can they put other liens on future property?

Asked on July 7, 2012 under Bankruptcy Law, California

Answers:

B.H.F., Member, Texas State Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

If the credit card debt was resolved in the bankruptcy, then they cannot pursue collection activity in the future.  If a credit card agency is still trying to collect on a discharged debt you need to contact the attorney that helped you with your bankrupty or the trustee for the bankruptcy court.  Just because they aren't supposed to, doesn't mean that some don't occassionally try.  Many creditors try to trick consumers into reaffirming their debt. (like we won't file a lien if you agree to make payments on your original debt).  Once you reaffirm, you're back on the hook for the debt and all the work you did in bankruptcy will be lost.  So... don't sign anything without have your bankruptcy ( or some other bankruptcy attorney) looking it over for you.


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