Q: Filed a chapter 7 bankruptcy that was discharged January 2011. Have been making payments to a mortgage servicing company
Bk coming off credit in January 2021. Do I need to refinance and reaffirm to get the home back in my name?
A: Yes, if possible.
A: The mortgage and home are in your name, no matter if you filed bankruptcy. The bankruptcy discharge removed your legal obligation to pay the mortgage (assuming you listed the debt as you were required to do). If you want to keep the home you must pay all secured debts, which include the HOA.
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