Skip to content
×
PRO
Pro Members Get Full Access!
Get off the sidelines and take action in real estate investing with BiggerPockets Pro. Our comprehensive suite of tools and resources minimize mistakes, support informed decisions, and propel you to success.
Advanced networking features
Market and Deal Finder tools
Property analysis calculators
Landlord Command Center
$0
TODAY
$69.00/month when billed monthly.
$32.50/month when billed annually.
7 day free trial. Cancel anytime
Already a Pro Member? Sign in here
Pick markets, find deals, analyze and manage properties. Try BiggerPockets PRO.
x
All Forum Categories
All Forum Categories
Followed Discussions
Followed Categories
Followed People
Followed Locations
Market News & Data
General Info
Real Estate Strategies
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Real Estate Classifieds
Reviews & Feedback

All Forum Posts by: Account Closed

Account Closed has started 1 posts and replied 6 times.

Post: Notice of Default after chapter seven discharge

Account ClosedPosted
  • Somewhere, USA
  • Posts 6
  • Votes 0

 I can clearly see I joined this forum by mistake. Never mind This place is for people to make money off other people's life events which caused them to lose their homes.  Should have noticed the name of it. 

Will go elsewhere

Post: Notice of Default after chapter seven discharge

Account ClosedPosted
  • Somewhere, USA
  • Posts 6
  • Votes 0

Hi Wayne, that makes sense, but in a way it doesn't. I still would like to find out how there can be a notice of default on a discharged debt. I understand the need for foreclosure, for my name to be removed from title. Since my credit took a hit with my chapter seven discharge, it just seems like double dipping on my credit, and that's what I'm trying to figure out. I read somewhere that it's a violation of the chapter seven injunction, but I"m new to all this and simply trying to figure it out. 

I'm glad to be soon unburdened by this way underwater house which needs a ton of work. 

thanks

Post: Notice of Default after chapter seven discharge

Account ClosedPosted
  • Somewhere, USA
  • Posts 6
  • Votes 0

oh, chad is also incorrect on the foreclosure/credit. .A foreclosure cannot be reported after the mortgage has been discharged. Just fyi...

Post: Notice of Default after chapter seven discharge

Account ClosedPosted
  • Somewhere, USA
  • Posts 6
  • Votes 0

Tom, huh?  Do you guys even read the posts? I clearly said I am living here saving money, and Chad responds with since I'm not living here.  I have no financial "woes" I am debt free, living here saving money to buy something else cash. 

If no one knows what a notice of default is after a chapter seven discharge, then why write a bunch of nonsense?

Post: Notice of Default after chapter seven discharge

Account ClosedPosted
  • Somewhere, USA
  • Posts 6
  • Votes 0

Neither one of you understood or answered my question. I am aware of the foreclosure. What I am asking here is can the servicer file a notice of default on a discharged loan? Wouldn't that be a violation of the chapter seven discharge?  

Post: Notice of Default after chapter seven discharge

Account ClosedPosted
  • Somewhere, USA
  • Posts 6
  • Votes 0

I'm wondering if anyone can help me with this question. 

Filed chapter seven last year, included the house (surrendered) and was discharged Nov. 2017.  Am presently living here saving money for next home, and because I'm closely following my credit score, saw a 60 point drop the other day. After researching online the steps bank takes to foreclose, I'm wondering if they've filed a notice of default. Can they do that after my mortgage was discharged? I'm told there is "something in the mail" I have to sign for and have not received it yet. 

Is that a violation of my discharge, to file a notice of default on a loan that no longer is valid? 

All I care about is my credit score, and know this place could go to auction soon. 

Thanks if anyone knows