Quote:
Originally Posted by DesertMe  I had a Chapter 7 and a mortgage with BofA/ CW. Mortgage discharged in BK. They will not talk to you until BK discharged and mortgage reaffirmed. Since they refused to do a loan mod, I chose to walk and not reaffirm mortgage. And yes, they are foreclosing, but I did get a years "free rent"...If you wish to keep your house, then reaffirm (and keep up payments), if not...... |
I APOLOGIZE - SORRY BUT BULLCRAP
NOOOOOOO FRICKIN WAAAAAAAAY WRONG !!!
B of A 100% LIED TO YOU and or your lawyer was misinformed or unaware
They / B of A are Defrauding Liers -
In the HAMP rules and regs Banks must NOT hold the BK against you in any way shape or form and must still negotiate and must not cancel any prior ongoing / pre BK negotiations
They must still talk to you and negotiate, especially when your lawyer sends them a letter stating it is legally agreed that B of A can negotiate with you DURING THE BK !
You DO NOT have to wait for the Discharege at all !
In the HAMP they MUST NOT FORCE YOU TO REAFFIRM THE LOAN !
So I would tell them it is illegal for them not to negotiate during the BK process and it is ALSO Illegal to force you to reaffirm the laon after the debt has been discharged in BK
I would just tell B of A what they MUST LEGALLY DO and make sure your lawyer sends them a letter to that effect !
Otherwise Bank of America will LIE, CHEAT, STEAL FROM YOU and DEFRAUD YOU !
Good luck
Keep fighting and know your rights - All the info you need is on this site, Just got to search for it a bit
But your Lawyer really should already know all these facts by now, since this HAMP and Modification process has been going on for several months now ...