How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask cfortunato Your Own Question
cfortunato
cfortunato, Attorney
Category: Bankruptcy Law
Satisfied Customers: 8023
Experience:  Bankruptcy professor.
14232603
Type Your Bankruptcy Law Question Here...
cfortunato is online now
A new question is answered every 9 seconds

I did bankrupcy in 2010 and it was final in Sept. I believe.

This answer was rated:

I did bankrupcy in 2010 and it was final in Sept. I believe. I live in IN. Can I add a morgage to it even though bankrupcy has already went through?

Hi JACustomer,
1) The mortgage was supposed to be included even if you were going to continue paying it. Is the mortgage no where in the Bankruptcy paperwork?

2) Did you have to surrender any assets to the Bankruptcy trustee when you filed?

Customer: replied 5 years ago.

1. It was included,but i decided to keep it and pay on it.

2.Yes, my honda civic that I filed bankrupcy on and I owed money on it. That was it.

Last question:

Did you re-affirm your mortgage in your Bankruptcy?

Customer: replied 5 years ago.
What do you mean re-affirm my morgage in bankrupcy? I just decided to keep it when the bankrupcy attorney asked me. My attorney said I should because I needed a place to live.
Customer: replied 5 years ago.

What do you mean re-affirm my morgage in bankrupcy? I just decided to keep it when the bankrupcy attorney asked me. My attorney said I should because I needed a place to live.

 

 

Thanks,

 

wanda Allen

"Re-affirm" means you signed a special document - separate from the Bankruptcy petition - stating that your mortgage would not be discharged in the Bankruptcy. This is something that is rarely done.
If you did not re-affirm your mortgage, you do not have to add the mortgage to your Bankruptcy, as it was already discharged in your Bankruptcy, even though you continued to pay the mortgage.

I think this is what you wanted to know. If not, please let me know.
Thank you!
cfortunato and other Bankruptcy Law Specialists are ready to help you

Related Bankruptcy Law Questions