Midland Mortgage Organization
My mortgage was sold to a new business right after my chapter 7 bankruptcy and I am now attempting to re-affirm my mortgage and maintain my home. My new Mortgage holder Midland Mortgage has requested lawyer fees and title search fees be wired to them from my bank. Is this common practice?
Answer by foreclosureresolution
1st of all, I’m not an attorney, so you will want to verify what I’m telling you here with your attorney (if they’ll return your telephone call… if you have already gotten a discharge- Good LUCK on that one!).
‘When you say “after my chapter 7 bankruptcy,” you don’t say regardless of whether you mean following it was filed, or following it was discharged.
Either way, you’ve already chosen no matter whether or not to re-affirm.
Check your petition.
Watch this speedy video and I’ll show you where to appear:
http://screencast.com/t/ixn4Sncjv
If you haven’t gotten your discharge however, I would be very careful before I changed the petition to re-affirm.
If you have already gotten a discharge, why would you want to bother with re-opening the case.
In the majority of situations that I’ve worked with, we’ve been able to get the workout without having re-affirming.
But of course, they are not going to give you any hints on how to get the greatest results for YOU… so I guess I’m asking yourself what else they are not telling you, and if you are truly acquiring the ideal results with this workout.