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??
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?
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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