Do I owe money to the lender?
Date: Wed, 03/05/2008 - 11:46
My Chapter 13 bankruptcy was discharged in September 2006. It was filed in April 2004. After receiving notice of the discharged, I also received a refund of money over paid into the court.
My mortgage company still insists that I owe them more than $9,ooo.oo, as if the more than $13,000.00 paid into the court was not received by them.
At the beginning of each year I receive a notice of foreclosure. Have to retain a lawyer, prove that past arrearage was paid. This cost me time and money. And each year we go through a swap money thien, I send the payment...they send it back...I send the payment...etc.
Is'n there a law againt this action of trying to get a second time money already paid?
I do not owe tham any money
My mortgage company still insists that I owe them more than $9,ooo.oo, as if the more than $13,000.00 paid into the court was not received by them.
At the beginning of each year I receive a notice of foreclosure. Have to retain a lawyer, prove that past arrearage was paid. This cost me time and money. And each year we go through a swap money thien, I send the payment...they send it back...I send the payment...etc.
Is'n there a law againt this action of trying to get a second time money already paid?
I do not owe tham any money
You should contact your chapter 13 attorney about this and let h
You should contact your chapter 13 attorney about this and let him handle the situation. I do know that some creditors have been cited for contempt of court or fined if they try to collect on a debt a second time that has been discharged through a bankruptcy.
The discharge frees the debtor form paying certain types of debt
The discharge frees the debtor form paying certain types of debts to the lenders. Once you receive discharge against a debt, the lender can't demand any further loan repayment form you. Hence, you are right that you don't owe them a dime. You should get it clarified form your lawyer at-once.
