My husband and I are wanting to buy a new home. We received a discharge in a Chapter 13 BK and even though we have paid the payments never been late on both our first and 2nd mortage they were discharged. according to our credit reports the BK is now gone and the mortages are no longer listed. my question is if we wanted to buy a new home do we still put the amount of the payments down as outstanding debt? our house can not be sold for what our payoff is but I dont know if we could be approved if we put the house payments one the credit app as owed debt. Our house is old and in need of lots of repairs, even septic issues now and our neighborhood is really bad now, any help or suggestions ???
