I would like to rquest that my Home Equity Lender resume sending me the monthly billing statements. However, since this debt was discharged under Chapter 7, I do not want the Lender to believe that I am reaffirming my debt obligation to them (even if I continue to pay the minimum amount per month). How would you word the request?
State/Country relating to question: Florida
Hello I am a licensed attorney here to help you with your question, please review my response and do not hesitate to ask for clarification.
You can send the letter they way you wish, I would even contact them by phone and ask them to send the statements, their is nothing they can send you that will vacate the discharge of the mortgage, if you listed the bankruptcy and the mortgage was already discharged, a simple letter by you does not reaffirm the mortgage, only if you actually signed a reafirmation agreement and have it filed with the bankruptcy Court, could the loan ever be reinstated,
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10 years exp., CH 7 AND 13 Bankruptcy cases, AFL-CIO UNION PLUS, UFT NYSID AND ALL MAJOR UNIONS
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