I work a lot of distressed 2nds discharged from Chapter 7 BK.

I filed Chapter 7 bankruptcy discharged Sept 8 2015.

If so, the short answer to your question is that a "free and clear" sale may not discharge certain liens (like an IRS lien) if the relevant parties fail to follow proper procedure.

Do you also get concerned about the tenant hooking up the washer discharge hose?

It depends on if a chapter 7 which if approved would clear it out or if a chapter 13 you would need to approve as a creditor the re-payment plan. 90% roughly of 13 filings fall out and never finish to discharge so then you collect again after the relief of stay.You have an attorney.

Great renting history for 10 years, a discharged bankrupt from 3 years ago, credit scores of 770, income 6.5 times the rent.

They were easy to initiate (only needed a mortgage, a note and a trip to the bank to send a wire) and to finalize (received a check via snail mail and sent a discharge of mortgage).

I'm seeing a lot of loans with no activity for years even after the borrowers BK is discharged.

In the case of a fire, the fire department would have a need to know.In the case of a police raid, the police department would have a need to know.In the case of neighbors, I don't see they would have a need to know unless there was imminent danger to them.In our jurisdiction, it is against the law to discharge a firearm within city limits, except under specific circumstances.

All of my policies state they only cover "sudden and accidental discharge of water" and specifically exclude mold or fungus.