Bancrupcy and Loan Modification

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Bancrupcy and Loan Modification

I was discharge chapter 7 from all my debts including home loan. house is in foreclosure with selling date. They refuse short sale. Can I apply for modification base application to postpone selling date, Just to buy a time? That will allows me to stay during the Holiday and fined some room to move. Do this affect my credit again ?

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Anonymous (not verified)
12-11-2015

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Yes, you can apply for loan modification and applying for the same will have adverse effects on your credit score. But on doing so, you'll re-affirm the loan and would once again become liable to repay as per fresh terms and conditions imposed by your lender.

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Caron | Asked on 2015-11-20

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