Hickman, CA Bankruptcy Law Firms & Lawyers

How are they coming after you? If they are simply sending you statements regarding the debt (i.e., the lien on the property) that is allowed. If they are suing you for the amount owed on the mortgage (as opposed to threatening to foreclose on the property), than that is a violation of the discharge order. The bankruptcy only discharged your personal liability for the mortgage, not the lien on the property.

Here is what is not clear about your question. You say that the bankruptcy was paid in full and you say that the bankruptcy was paid off. What you haven't said is whether all the creditors that filed claims in your case were paid 100% of their claims. If you had an asset at the time you filed or that you acquired during the bankruptcy that could have been used to pay creditors, when you received that assets isn't nearly as important as when you acquired the right to receive it. A lawsuit, even if the result isn't decided, is an asset that your creditors would be entitled to divide up in order to satisfy your debt to them. If you paid 100% of your debt in Chapter 13, great, no problem. But in most Chapter 13 cases, your creditors only get paid pennies on the dollar and the fact you paid what the court found you needed to pay, based on incomplete information, is a serious problem.

If you're paying the full balance, there would be no need for a new loan; but if you are only paying what's past due, the lender can probably require some additional assurances before releasing the vehicle back to you.