Q: New Chapter & Laws from this Januart
My brother filed chapter 7 6 or so years ago. He has been making his house payments on time. when we did not get a statement this month, we called. They said due to the new laws governing chapter 7 they can not longer send him a statement or try to collect this money in any way. They said it is not longer even considered a loan. They can no longer record this account in the credit bureaus or anything. They can not collect in any way. This was filed on his chapter 7 and they since it was not reafirrmed or something to that effect. They said he is just suppose to keep making the payment even though they are not allowed to collect the money. If he just does not sedn it in, they can forclose on his house. They said he is not personally responsible for this debt any more but he should just send it the money every month. What in the heck does have to pay or not and who do we talk to >
A: You should go back to the attorney who filed the bankruptcy. I do not believe an actual reaffirmation agree is required. I have had this with car loans and people just pay their payments. Talk to his attorney. The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.
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