Aspen, CO Bankruptcy Law Firms & Lawyers

Your mortgage lender is asking for something that probably does not exist. A reading of the code section tells me that only a loan on personal property can be reaffirmed. Even if you can reaffirm the loan, it is unlikely that the Court would grant a reaffirmation. The balance is so large that it is seldom in your best interest to reaffirm a mortgage loan debt. The discharge that you received made it so that if you failed to pay the mortgage payments, then the lender could not come against you personally for any amounts owed that were not recovered from the sale of the property. You need to contact the attorney who represented you in the bankruptcy case to confirm that no reaffirmation was granted on this debt.

If you have any joint debt, then you owe the money. But if you are not on the bills for any of your friend's, then the debt has nothing to do with you.

You may file a 13 as soon as the 7 is complete, but nothing will be discharged unless you wait 4 years to file. There are some debts which can be discharged in a 13 and not in a 7 so it is only for those debts that you would wait. See an attorney about this because when you file consecutive bankruptcies there may be other issues as well.