A simple question for fico members that have filed a bankruptcy, included their house, did not reaffirm on the house and surrendered that house to the bank.
When the bank filed for foreclosure to obtain the deed after your bankruptcy, did they file the foreclosure against you or the property?
My lawyer says it can only be against the property not the person. I want to see if that is how it worked for you.
And did that foreclosure go on your credit report?
