Q: My husband and I filed for Chapter 7 bankruptcy in jan, and it was discharged in May
we own a home in Florida and of course plan on keeping it. I noticed my mortgage company stopped reporting on my credit, and it also appears my lawyer never reaffirmed the house as the mortgage company advised me when I called them, although my lawyers office told me to call the bank and they do it, I knew that was incorrect information. How can I have the mortgage company start reporting again to the credit bureaus as its the only good thing I had on my credit and of course want to build it back up. I have the trustees email so I am wondering if I can write to her, what are my options please?
A: Depending on the district you are in, you may be able to reopen the bankruptcy case, vacate the discharge for purposes of filing the reaffirmation agreement, file the reaffirmation agreement and obtain the order and have the discharge reissued and the case closed. We can do that in the Southern District of Florida.
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