Since you filed bankruptcy and discharged the mortgage, you cannot be held liable for any
judgment the lender may get against you.
If you want to stop the foreclosure now, you can file a chapter 13 and stop the sale, if you can pay the monthly mortgage and arrears,
Also, you can contact the lender as well and advise them you will agree to deed over the home to them to avoid the foreclosure,
they should accept it.
Since you did not reaffirm the mortgage, you must have let it get discharged, so you would not be liable for it after the foreclosure,
A foreclosure will take several months, so you can live in the home for a few more months without paying the mortgage as well,
If you have any further questions please do not hesitate to ask.
Thank you for responding, just one final question.Even after receiving a docket # XXXXX the banks attorney I still have time to contact them and deed over the property?
they should want to avoid the legal costs and time it takes for a foreclosure,
Thank you, XXXXX XXXXX do that. Very helpful.
you can advise them you are willing to do a deed in lieu,
which is when you deed over the home to them, to avoid a foreclosure,
that is to their benefit.
Do I deal with the bank or their attorney at this point
You should first contact the attorney.
They should deal with it.
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