Haven't paid 2nd mortgage after Chapter 13 (loan, credit report, second mortgage, loan)

[Jybrwn3]

In 2008 I filed Chapter 13, I had a second mortgage which was 2400 dollars behind. The 2nd mortgage company stopped sending me payment notices and I saw in my chapter 13 bankruptcy papers I had to pay 2nd mortgage company 4800 dollars. When bankruptcy was discharged 2nd mortgage was not on my credit report and have heard nothing from them in 10 years. Do anyone know if I am still legally obligated to this debt? Do they still hold a lien on my house? I have got no response from loan company on this matter either.

[LifeIsGood01]

Originally Posted by Jybrwn3

In 2008 I filed Chapter 13, I had a second mortgage which was 2400 dollars behind. The 2nd mortgage company stopped sending me payment notices and I saw in my chapter 13 bankruptcy papers I had to pay 2nd mortgage company 4800 dollars. When bankruptcy was discharged 2nd mortgage was not on my credit report and have heard nothing from them in 10 years. Do anyone know if I am still legally obligated to this debt? Do they still hold a lien on my house? I have got no response from loan company on this matter either.

ask your title company to check if there it a lien on your home. Ooops never mind I just checked and your title company only protects you to the moment you closed on your house, not future liens. I found the answer in this video and they say if you were served a lien you would have been notified of it. https://www.youtube.com/watch?v=2TPmDrlMpPM

[LifeIsGood01]

To find if there are any liens, here are your options:
Search the county recorder, clerk, or assessor's office online. All you need is the name of the property owner or its address. ...
Visit the county recorder, clerk, or assessor's office in person. ...
Contact a title company.


Maybe they got a judgement against you which is different than a lien.

[Pfhtex]

Originally Posted by Jybrwn3

In 2008 I filed Chapter 13, I had a second mortgage which was 2400 dollars behind. The 2nd mortgage company stopped sending me payment notices and I saw in my chapter 13 bankruptcy papers I had to pay 2nd mortgage company 4800 dollars. When bankruptcy was discharged 2nd mortgage was not on my credit report and have heard nothing from them in 10 years. Do anyone know if I am still legally obligated to this debt? Do they still hold a lien on my house? I have got no response from loan company on this matter either.

It is highly, highly likely that they charged off the debt at that time and converted it to a lien on your property. They charged it off when they received notification of the bankruptcy.

They do this to ensure full payment.

In regard to future mortgage transactions, future lenders will use the charge-off date of the second mortgage.

You should ask (pay) a Title company to check for liens against your property. Or apply for a mortgage, and don't pay for the appraisal, and wait for the title report to come in.