1. Got behind on credit cards and mortgage. 2. Lost Foreclosure case on house and sale date was set. 3. Filed Ch 7 before sale date and house was put on automatic stay. 4. Chapter 7 went smoothly and has been discharged – no assets. 5. Home was "surrendered" on paper but I am still living in it. 6.
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I was discharged from Chapter 7 bankruptcy in July 2011 where my mortgage was not reaffirmed. On my credit report it shows a $0 balance for that debt. The house is now going into foreclosure. I keep reading conflicting information about whether or not the foreclosure will show on my credit report. I.
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· My husband had a mortgage in a chapter 13 which converted into a chapter 7 and was then discharged 4 years ago. The underwriter is saying that the only way to prove to them that the house/mortgage was discharged in the chapter 7 is on bankruptcy form 108, otherwise they treat it as a foreclosure.
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0REDSOX7 – id have to disagree with you, in my lending career ( nmls ID – 367500 ) I refinanced many, many people who still owned and kept their home after filing BK, eligibility for FHA started 2 years from discharge ch 7 as listed on the public record on their credit reports.
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