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I did file a Chapter 7 with a schedule C- property claimed as exempt. The house was listed and I file the Chapter & Individual Debtor's Statement of Intention. It said I was retaining the house with the intent to reaffirm the debt. But no one showed up at the court from BOA to reaffirm the mortgage debt. And unfortunately my attorney is now a State Judge and unavailable to help. And I can't afford to pay a new one as my income is just SSDI.
I just received letters from BOA yesterday stating their intent to foreclose. So I'm kinda screwed. But I guess my question is still the same. Should I call them and tell them the house was in a chapter 7 with intent to reaffirm and that was never done. So I want them to take the house based on the Chapter 7 and that they never showed up to reaffirm at the hearing.Or just walk away and let them foreclose?
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