Foreclosure After Chapter 7 Discharge Credit Report

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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Stop foreclosure on your house or manufactured home and allow you an. Discharge debts that are incurred after bankruptcy has been filed. The effect of a bankruptcy on your credit report is of understandable concern.

Chapter 7 bankruptcy can help you wipe out your unsecured debts and receive a fresh start. While bankruptcy can have a negative impact on your credit initially, in most cases you can start rebuilding your credit immediately after you receive a discharge.

 · 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.

Get Approved For Mortgage Online Get Pre Approved For A Mortgage Online. Get Pre Approved For A Mortgage Online . Usually when you start a mortgage on the screen, you will get the rate leisure activity the best. This is the only rule that the FHA applies when deciding whether or not you should be approved.

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.

Initial Escrow Deposit Calculator Aggregate Adjustment Calculator – ramquest.com – Click Print Disclosure Statement to preview and print the Initial Escrow Disclosure Statement report. For more information, see the initial escrow disclosure statement. calculate Section 1000 in Months in Reserve. Select this check box to transfer the number of months in reserve to Section 1000 of the HUD.

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