Q: In 2012 I filed for a BK chapter 7. Included was a piece of land in Ashville NC. The mortgage stopped sending me bills.
The state of NC wants me to pay the tax bill. They are willing to sell the lien at auction but the attorneys are saying that I have to pay whatever they charge.Can the mortgage company not change the title to their name so that I am responsible. I have sent the attorneys my BK papers. Thank you xx The title is still in my name. The attorneys are insisting that I still own the property. What can I do?
A: If you surrendered the land in the BK, you should not be liable for the taxes.
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A: Your Bankruptcy Chapter 7 discharge wipes out the obligation to pay back the loan; however, it doesn’t eliminate the mortgage lien. The tax laws are far too complicated for borrowers to understand and it's essential to get expert tax advice to sort through the confusing complications.
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