Legal Question in Bankruptcy in Michigan

In 2007 a mortgage debt was discharged in my bankruptcy. My name had been removed from the property in 2001 and so the bankruptcy court included it. My ex husband still lives there and it is being forclosed on. The mortgage company is trying to drag me into this claiming I am a cosigner. they were suppose to remove me from the loan when my bankruptcy was finalized in 2007. what do I need to do to make them leave me alone. obviously they aren't following the agreement they made in 2007. My paperwork says any collector that has agreed to releasing me from that debt tries to collect in the future they will be fined and penalized, what do I need to do to make them leave me alone. I have greatly improved my credit since 2007 and I don't need them harming it unjustly. thank you


Asked on 11/08/10, 4:51 pm

1 Answer from Attorneys
Audra Arndt Audra A. Arndt & Associates, PLLC

Have you sent them a letter outlining these facts, the timeline, change in agreement, and enclosed a copy of all relevant documents? This would be your first step. Then, follow up a week or two after you've submitted this documentation to find out if this has cleared up the matter. If not, and you can't otherwise make any progress, you may need to hire a lawyer to clear this up and to avoid any harm to your credit. It sounds like a glitch or miscommunication on their end and often these companies don't care or won't listen to a consumer - they just want money. Stay on them, be persistent, keep track of who you speak to and when, and always confirm everything in writing.

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Answered on 11/15/10, 4:50 pm


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