ok, when I asked I would be on the hook for the debt, I was referring to when you mentioned DO NOT FILE A MOTION TO VACATE YOUR DISCHARGE ORDER SO THAT YOU CAN BE ON THE HOOK FOR A DEBT THAT HAS ALREADY BEEN WIPED OUT!THAT WOULD BE A DISASTROUS MISTAKE.
I was not sure if you meant that would open a can of worms with the other discharged creditors or it would exclusively focus on the entering of the reaffirmation. In other words, when you vacate a discharge to enter the reaffirmation like I asked in my first request, does it solely focus on the reaffirmation or does it now put all the creditors back in play?
Response 1: No, only the reaffirmed debt would be affected. All deadlines for objections are still the same. The creditors are supposed filed their objections to dischargeability of debts or to the bankruptcy case within 60 days of the conclusion of the Section 341 Meeting. Vacating the Discharge Order would not reinstate the already expired deadlines.
You never answered, if my attorney was in the right to ask for an additional 600 when I already paid 250 for the reaff and the took 3 months to send it, literally before my case was discharged. I do not think that is fair. They did take very long, they received the lenders request September 2nd and no one did anything for three months. I more worried about the motion to vacate than anything that is why I wanted full clarity on how that would impact the rest of the discharge. I firmly believe that for the right candidate reaffirming is the way to go. I have excellent payment history with them and it will never be reported. I plan to stay here another 5 years at least before selling. Now, when I go purchase new home, it will look horrible to prespective lenders that I included my home in the bankruptcy. I will never get statements to prove anything, just my checks to them. Lenders won't even ask for that because they won't get past my mortgage being written off. I understand reaffirming is not for everyone. If you can afford it or are unsure about your future, than NO you don't. But the benefits in my opinion when you reaffirm far outway the bad, because if your credit mean a lot like it does to me, having they report history is paramount. Also, I hate to be in limbo.
Response 2: I am trying to do the best that I can within the confines of this forum—your questions are numerous and I am trying to answer all of them the best that I can. So, bear with me.
No, the additional fee of $600.00 is not reasonable if the attorney was the reason for the delay. The attorney cannot charge you for his own mistakes.
Yes, I did know the lenders attorney could view the documents regardless. I do it all the time, it's public record. I guess this is my last reply, I will wait for yours.
Response 3: Okay