What is the name of your state? IN
I had my 341 meeting in April and reafirmed my 1st mortage, and my car. I had recieved letters frome both the 1st mortage lender and the bank that finances the car. Signed them and sent them back to the lawyer for filing. I also have a second mortage on the house with another lender. I never recieved a letter from them nor did I sign anything reafirming the debt with them. At the 341 when asked what we were reafirming I told the trustee, the house, 2nd mortage and the car. No problem. I do not recieve any statements form the 2nd mortage lender, and was told by that lender that I would have to notify them in writing that I want statements sent to me. I have not done that yet, but have continued to make payments to them and retained the receipts (probably 3 payments with no invoice) Now my concearn here is that I heard a story of a couple that had filed BK, got there discharge and failed to reafirm there mortage in the BK, paid the lender for 5+ years on time and then were told that they do not own, nor are the buying the house, but all those payments were considered rent. Now this was from a third party, so I don't know every detail, but that doesn't seem right to me. Do I need to do anything other than notify that lender in writing that I want statements. At the 341 the lawyer said we can keep whatever we want as long as we continue to make the payments on-time and we don't have to do anything different. This is in the same state. I don't want to end up trying to sell my house in afew years and find out I don't even own it. Something seems odd with that story. What do I have to do to make sure this doesn't happen to me?
I had my 341 meeting in April and reafirmed my 1st mortage, and my car. I had recieved letters frome both the 1st mortage lender and the bank that finances the car. Signed them and sent them back to the lawyer for filing. I also have a second mortage on the house with another lender. I never recieved a letter from them nor did I sign anything reafirming the debt with them. At the 341 when asked what we were reafirming I told the trustee, the house, 2nd mortage and the car. No problem. I do not recieve any statements form the 2nd mortage lender, and was told by that lender that I would have to notify them in writing that I want statements sent to me. I have not done that yet, but have continued to make payments to them and retained the receipts (probably 3 payments with no invoice) Now my concearn here is that I heard a story of a couple that had filed BK, got there discharge and failed to reafirm there mortage in the BK, paid the lender for 5+ years on time and then were told that they do not own, nor are the buying the house, but all those payments were considered rent. Now this was from a third party, so I don't know every detail, but that doesn't seem right to me. Do I need to do anything other than notify that lender in writing that I want statements. At the 341 the lawyer said we can keep whatever we want as long as we continue to make the payments on-time and we don't have to do anything different. This is in the same state. I don't want to end up trying to sell my house in afew years and find out I don't even own it. Something seems odd with that story. What do I have to do to make sure this doesn't happen to me?
