Hello. We filed for chapt 7 and has since been discharged. We included our house, but because of our lawyers advice did not reaffirm the debt during the bankruptcy. We had to wait to submit our loan modification package until after the discharge date. Now that we are ready to go, the bank that has since purchased our loan is saying they will not stop the foreclosure procedings or process our request for loan mod without us signing a reaffirmation agreement. We are in California, the bank that purchased our loan is in Texas. Apparently, there is some difference from state to state about these laws. Our lawyer says that we should not be required to sign a reaff. in order to modify; That our BK is closed and that it's just not done in Cali. But the loan holder is stating that it is a requirement.
Needless to say, we are going crazy. Feel like we are stuck going in circles. Have 2 small children, desperate to keep OUR HOME. With the BK, paying the modified mortgage would not be a problem. It just doesn't make sense & we are running out of time. Do you have any feedback or advice? Please, please help. It is so very much appreciated.
Thank you. :shock: