topic Re: Chapter 13 and Mortgage in Bankruptcy

Chapter 13 and Mortgage

Tito1183 — Fri, 08 Dec 2023 03:01:21 GMT

Still waiting for my MOC on 12/21. My mortgage is current and always has been, not included in my petition. Received an alert via Credit Karma on EQ that my mortgage has been closed. I'll call my attorney tomorrow, just curious if this is normal when you're in a Ch 13.

Re: Chapter 13 and Mortgage

Lurker22 — Fri, 08 Dec 2023 13:17:42 GMT

@Tito1183 wrote:
Still waiting for my MOC on 12/21. My mortgage is current and always has been, not included in my petition. Received an alert via Credit Karma on EQ that my mortgage has been closed. I'll call my attorney tomorrow, just curious if this is normal when you're in a Ch 13.

my loan was with BOA, they informed me because of the 13 they would never report any activity even post discharge on my mortgage (was never ever late at time of filing and never late during the 13), not sure if this is the case for all lenders or not, but thankfully 13 months before my discharge they sold my loan to Mr. Cooper who did begin reporting post discharge

Re: Chapter 13 and Mortgage

madmann26 — Sat, 23 Dec 2023 01:30:07 GMT

@Tito1183 wrote:
Still waiting for my MOC on 12/21. My mortgage is current and always has been, not included in my petition. Received an alert via Credit Karma on EQ that my mortgage has been closed. I'll call my attorney tomorrow, just curious if this is normal when you're in a Ch 13.

My lender did the same thing when I filed in 2017. I still made the payments but they ceased reporting.

Fast forward to 2022, the loan was transferred to a new servicer. :/