No I did not
Thank you for your quick response: Question: I'm planning on moving and put my house up for sale. In 2009 I filed for bankruptcy, going through my bankruptcy paperwork it states on Schedule D - Creditors Holding Secured Claims form that my mortgage was Liquidated. But on the Statement Of Intentions form it says Intention: Reaffirm. I recently checked my credit report and it says my mortgage was included in the bankruptcy. My question is am I still obligated to pay this mortgage? or can I walk away from it? Response: You are no longer obligated on the mortgage because eventhough you stated that you would reaffirm the mortgage, you did not actually sign a Reaffirmation Agreement with the lender. So, with your Discharge Order, your personal obligation on the Note was wiped out, discharged in your bankruptcy case. You can thus walk away from the mortgage because you are no legally responsible for it. Also, if the lender forecloses the mortgage for less than the amount you owe, the lender can NEVER come after you for the deficiency because your personal obligation on the mortgage has been discharged in your bankruptcy case because you did not sign Reaffirmation Agreement with the lender that was filed with the Bankruptcy Court and approved by the Bankruptcy Court.
Thank you, XXXXX XXXXX the advice.
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).