The standard Realtor contract that my agent prepared has the following clause in line 502-503Adjustments at Closing"Seller shall pay for the preparation of the Deed, realty transfer fee, lien discharge fees, if any, and one-half of the title company charges for disbursements and attendance allowed by the Commissioner of Insurance; "In attorney review.

Good Evening I am 2 years discharged from a chapter 7 BK.

Speak with an attorney but in those instances I do not believe a proof of claim is needed as they have no assets, do not want the property and all debt is discharged

Bankruptcy would be to discharge liabilities and debt.

@Adrianne Daniels There are a lot of possibilities: Discharged of debt and wrote it off, sold the note and fell thru the cracks, erroneously recorded against your property, released and never recorded.

I didn't even see the houses until I was fully discharged with honer and found my self moving in. :) How did you finance this deal?

I didn't even see the houses until I was fully discharged with honer and found my self moving in. :)How did you finance this deal?

Many lenders (to my surprise, because logically it makes little to no sense) are going off of the time from which the deed transferred back over to the bank, as opposed to BK discharge date.75%-80% is fine, but all lenders they've found to date seem to have an either 100k appraised amount minimum on subject property or they have an issue with the foreclosure completion date being to recent. 

@Zeek Granston what area are you planning to move to when you are discharged?

But I hope to go back to school this fall to become a social worker and do discharge planning for the VA or something else so I can apply my 12+ years of Army service toward another government retirement.