1. The end of 2002 beginning of 2003, I self-filed a Chapter 13 in anattempt to save our home. The bank foreclosed; we lost our home and I withdrew the Chapter 13. The Bankruptcy shows as Dismissed. Is there anything I can do to have this completely removed?
2. We lost our home through foreclosure, but there is still a debt classified as "Mortgage" for $72,000... this was a Second Mortgage. Why is this still on our file as a debt owed? Our home was taken but they still want the Second paid?
3. The Date of Last Activity continues to be updated on this Second Mortgage. Which tells me no matter what I do, this will never be removed.
4. It seems whenever I do an inquiry to Equifax to correct errors, I start getting calls again on old debt... does the inquiry to Equifax cause the Date of Last Activity to be updated?
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copy the dismissal papers and mail them as a dispute use this form
yes they still want the money.
i would assume some would have been paid during the foreclosure and subseqent sale?
i would have to see a paper tail to help with this. but sure any loan has to be paid off period.
#3 not sure what to coment on this one.
#4 does not make sense. there is no correlation. inquiries only happen when you apply for a loan
not when you check your credit online
Thursday, December 13, 2007
Bank foreclosure and bankruptcy dismissed and credit is messed up
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That continuous change of dates is called re-aging and it is illegal unless you have at any time made a payment (or other written promise to pay) that you did not mention in the post. Research DLA on the web. No debt may be reported - under any circumstances - more than 7 & 1/2 years from the date you made your last payment. If you have questions you may contact me at cas127@hotmail.com
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