In 2000 we purchased a mobile home in a park. In 2002 we voluntarily surrendered the trailor. The home was purchased and financed through Oakwood Homes, who shortly after we surrendered went bankrupt. They then sold their assests at an auction and our trailor was apparently bought for $6000. We never received anything from this new mortgage company. Now on our credit we have a voluntary repo from Oakwood with a balance of 24,000 which said it was opened 09/00 and closed in 2002 and we have a voluntary surrender from Vanderbilt (whom bought out oakwood) with a balance of 23,000 which said it was opened 09/00 and closed in 2006. So it looks like we have nearly 50,000 in unsettled debt. Can they do this? It looks as though vanderbilt bought it for 6,000 but never sold it. Original purchase price was 29K. And besides all that our lender we are working with currently to try and buy a home says that it would have to be 3 years before they would even consider loaning to us and because vanderbilt didn't claim against us until 2006 we have to wait till the end of this year, even though we surrendered it 2002.