I see, thanks for the clarification.
Unfortunately, debts incurred after
a Chapter 7 bankruptcy petition
is filed may NOT
be included in the discharge (see 11 USC 727(b), HERE
, which says that a Chapter 7 discharge discharges the debtor from all debts that arose before
the date the bankruptcy was filed).
So, if the lender opts to let you off the hook - great, but they are not likely obligated
to let you off the hook because of the bankruptcy. It might be the case that since they keep sending you to the bankruptcy department that they believe the debt was discharged, in which case they may never come after you if you surrender the manufactured home, but it is a big risk since they may well know the debt was not discharged and they are intentionally being obtuse until they have repossessed it, after which they will come after you.
I wish I could tell you better but I have no idea what they might know or what they are planning.
All I can say for sure is it is a risk for you to assume they will forgive the debt, since the law is probably on their side if they do decide to pursue it.
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