1. the bk was denied.
2. im trying to get my credit report corrected.
3. GMAC the home was originally not included in the filing.
4. GMAC does not show the the loan as paid on report
5. the credit report still says included in chapter 7 BK
the home was sold by trustee not a short sale.
my ex wife got half of the equity the trustee the other.
i kept paying the mortgage.
I stopped paying the mortgage once i recieved a notice to vacate.
the home sold.
I called gmac and wrote several letters to them showing the Bk was denied. the lady said it doesnt matter and that they will report it as BKand closed not paid since my BK attorney never filed a re afrimation
with the court.
i dumped my bk attorney early on in the process for misguidance in the entire process.
what responsility does gmac have in reporting to credit agencies?
also waht does it mean to me that that BK was denied?
there was one attorney who moved to deny all other creditors are not pursuing me.
what is the responsability of GMAC to report that the mortgage was paid?
the lady a GMAC said they will not change it.
what is there responsibility to report.
I also have more specific questions about BK law are you a BK attorney?
Hi - my name is XXXXX XXXXX X'X a Bankruptcy and Consumer Protection attorney here to assist you.
1) Briefly, what was the reason that your Bankruptcy was dismissed?
2) Has your Bankruptcy case already been closed? (Case dismissal and case closing are 2 separate events.)
I did not cooperate.
it says dismissed not closed?
what are the ramifications
Thank you for your response.
Until your case is closed, your creditors - including GMAC - are not allowed to report anything beyond the fact that you filed a Bankruptcy.
This is so, even though you did not include GMAC in your Bankruptcy filing, if you did not sign a re-affirmation agreement with GMAC (which would not be valid if you did, because of the case dismissal).
Once your case is closed, then GMAC can report that the mortgage was paid, because your case will be closed without a discharge.
I think this is what you wanted to know. If not, please let me know.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).