Mortgage Sold After Chapter 7 Discharge? Now both on report?

[andersk08]

This is frustrating. I had a mortgage with Chase bank. Long story short I filed Chapter 7 and it was discharged. After the discharge Chase sold the account, or the house, to Selene Financial. Now BOTH show up on all 3 credit reports as "Discharged in Chapter 7 Bankruptcy". Is this legal? To be double dinged on the credit report after a discharge?

[StartingOver10]

Actually I don't believe that they can report anything after the discharge except on the original tradeline (Chase in this case) and it should read iib and zero balance.

I am assuming that the sale occurred after your discharge from your post description.

Contact your Bk attorney and have him send a letter.  

[ezdriver]

That is a discharge injunction violation. Get an attorney to sue them.

[andersk08]

Ill call one Monday. Discharge was 9/23/2011 and the mortgage was sold on 10/01/2013. It still hasnt foreclosed and I have an IRS Tax lien on it for 18k. Both are reporting on my credit report as a Chapter 7 Discharge.

[StartingOver10]

---

@andersk08 wrote:

Ill call one Monday. Discharge was 9/23/2011 and the mortgage was sold on 10/01/2013. It still hasnt foreclosed and I have an IRS Tax lien on it for 18k. Both are reporting on my credit report as a Chapter 7 Discharge.

---

If you want to speed up this process of getting rid of the property - put the house on the market as a short sale. IME the banks speed up the f/c process once you submit a short sale to them to process (go figure).

As to the IRS Tax lien, were those taxes discharged in your BK?  If so, there is a form you can file to remove the tax lien. Here is a link for you: http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Understanding-a-Federal-Tax-Lien

[andersk08]

Unfortunately the taxes werent discharged. I dont even live in the house anymore. I moved out of it 2 years ago. From New York to Florida.