Browns Mills, NJ asked in Bankruptcy for New Jersey

Q: Mortgage was in chapter 7 not discharged was carried to chapter 13. It is not showing up on my credit report.

Servicer says since it was in bankruptcy I am not liable for the debt but I signed a modification and have been paying for 3 years. So exactly what does that mean??

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2 Lawyer Answers
Michael David Siegel
Michael David Siegel
Answered
  • Bankruptcy Lawyer
  • New York, NY
  • Licensed in New Jersey

A: The lender stopped reporting to the credit bureau. It did not change your legal status as a borrower. Did you get a discharge in the Chapter 13 of any of the debt?

David Luther Woodward and Timothy Denison agree with this answer

1 user found this answer helpful

David Luther Woodward
David Luther Woodward
Answered
  • Bankruptcy Lawyer
  • Pensacola, FL

A: I agree!

How long was your 13 plan and did you complete it?

Credit reports have little if anything to do with bankruptcy other than to report your filing--if they do. Credit report issues should be addressed with the reporting bureau

Timothy Denison agrees with this answer

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