Title came up that the mortgage was not discharged 4.  

For conventional loans ch 13 is 2 years from discharge and 4 years from dismissal date.

She had a Chapter 7 bankruptcy, which was discharged so that doesn’t affect me. 

I have a 720 fico, make good money but have a BK (discharged in 2010) and a foreclosure that was tied to the BK ( but is listed as 2014).

I have spent hours on the site looking for opportunities but am not sure exactly what the best property to look for is.When searching through the public records for a particular town, there is a column that says "type description" and lists things such as "discharge, mortgage, affidavit....etc.  

They simply freeze the credit in a negative state until the plan is discharged from completion ( usually 3 years or so).

Assuming the BK court allows the short sale, the pragmatic lender will issue a 1099C in lieu of seeking a deficiency judgment, Should the lender get the BK court's approval to obtain a deficiency judgment, the judgment will be added to the debtor's repayment plan and not discharged.

This works the same for all credit activity, in that the BK card will get hit harder on the numbers which is tough since they are lower to start with.If the BK was discharged 09/05 it will be a long time before it gets high but that is a good thing because it is that way so that the person takes it slower and gets a chance to learn to manage their finances unless of course they just had some misfortune of getting hit with an illness and a bunch of medical bills took them down.

The most common situations when cancellation of debt income is not taxable involve: * Bankruptcy: Debts discharged through bankruptcy are not considered taxable income

It was a pain to get the Payoff Statement and Lien Discharge since the Note was held by this "little old lady" (in her 80's I think) who had no access to electronic communication or a fax.