Q: I was looking thru my chapter 7 discharge papers. my second mortgage shows as discharged.
I didn't think that was included in the bankruptcy. But my paperwork shows a discharge in the right amount and to the right bank. I have been making payments to them still. How can I check this?
A: If you did not reaffirm the debt, then the underlying debt for the 2nd mortgage was discharged. However, the mortgage lien still remains. As long as you continue to pay your mortgage, the lender cannot foreclose in most states, and apparently Utah is one of them.
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