Q: I filed for chapter 7bankruptcy over 1 yr ago. My house was was part of the bankruptcy filing.
Now a different mortgage company is sending papers for remodification. How is this possible my house was part of the bankriptcy
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- New Jersey
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A: Your Chapter 7 Bankruptcy eliminated your personal liability. Mortgages are a negotiable instrument which can be freely bought and sold. You need to have an in person consultation with an experienced mortgage foreclosure defense and bankruptcy attorney. The lenders all have attorneys, and the only way that your case will be taken seriously by them is by retaining an experienced mortgage foreclosure defense attorney. The defenses to mortgage foreclosure in NJ are much more limited than in many other states. There are numerous options that are available to you, but only a complete review of all documents by an attorney will enable you to receive the correct advice. Good luck.
H. Scott Aalsberg agrees with this answer
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