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Ellen, Attorney
Category: Bankruptcy Law
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Experience:  Bankruptcy Lawyer. Experienced.
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Sate PA An individual owns a house and has a mortgage in

Resolved Question:

Sate PA

An individual owns a house and has a mortgage in her name only. Her parents and siblings reside in the same house, and the parents have been paying the mortgage payments for over 3 years.

The person has been unemployed for a long time and has a lot of unsecured debt. Would she be allowed to reaffirm the mortgage in Ch7 proceedings when the income is $0?
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  Ellen replied 6 years ago.

I am the JustAnswer expert that will be helping you today. I am a lawyer with 25 years experience. Although I am not your attorney, I hope that I can give you helpful legal information.

Yes. The bankruptcy does not require that she requalify for the loan.
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