I talk to owners frequently who don't understand that they still own a property (and the accompanying liability) after BK discharge.

Am I correct in assuming that all IRS liens are discharged upon successful completion of the auction?

I suspect that it is possible that you could get caught in a Debt-to-Income problem in the next house or two, so that's why paying down that debt will help you invest more long-term.Plus, you can never get out from under the student loans - it's nearly impossible to discharge them in a bankruptcy.

The heat pump can freeze up, and when it does, you either need to stop using it and use supplemental gas/electric heat, or you can run it in air conditioner mode and use the supplemental heat to raise the discharge air from the furnace to ~70degF until the heat pump thaws.

However, if I wanted to sell a building (let’s say for example sake) in two years, I would have to pay the liens or try and have them discharged.

Conventional loans require 4 years from discharge date.It all comes down to what is your credit score, how much are you putting down and what type of property are you buying to see what is the best option.

There were a couple of people that I knew of that complained that they "didn't sign up to go to war, they only wanted to get money for college" They were quickly "encouraged" to get their mind right and those that didn't ended up with a discharge that was not an honorary discharge and they ended up not getting any money for college......let alone qualifying for a VA Loan.

I also have “Water Back Up and Sump Discharge or Overflow” coverage, but not sure that is relevant.Do you think the dwelling coverage of my home insurance will cover it?

(ORDER OF DISCHARGE)Then the paper trail says that HSBC asks and is granted the motion to Disolve Lis Pendens, Dimsiss Complaint and Release The Orginal Documents.I read the papers over on these and was wondering does this mean my family member still owns the house as the court house shows the title is still in their name and does this mean they own it without the loan attached to it any longer since they filed bankruptcy and the bank charged it off and asked for the complaint to be dismissed?

I replied that they did file bankruptcy before they ever missed a single payment and that their home was not included ( of course BOA already had the discharge papers that i faxed them in the very beginning) and that I had written approval already for them to be in the program and do the short sale.the negotiator hasn't responded to me - sent email and left voicemail on feb 9, 16 and today.