Hello and thank you for allowing me the opportunity to assist you.
You haven’t given quite enough information for me to be sure, but it sounds like a “ride-through.” If so, then you would still need to make your payments if you want to remain in your house. Here’s how it works:
Bankruptcy can eliminate debts, but it does not generally eliminate consensual liens. Therefore, even if your mortgage was discharged and thus was no longer owed, the lender's lien remained and it had the right to foreclose on your house if you discontinued making payments. Since you continued paying, the lender did not foreclose. If you do stop paying, then the lender may foreclose. You would not be personally liable for the unpaid balance of the mortgage since it was discharged, but the house can be taken and sold.
If that’s what happened in your case, then the lender has not done anything illegal, and you would not be entitled to a refund, interest, or damages. If you do not believe that’s what happened in your case, then please let me know why and I’ll try to further work through this issue with you.
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