Legal Question in Credit and Debt Law in North Carolina

we filled chapter 13 bankruptcy 5 years ago, we have completed the program. Our second mortgage company appllied 7 of our payments to someone elses account, they did not send statements to us while we were in chapter 13, the only way I found out this was when I called to get a tax statement for the interest, we then found out they had put our mortgae account in their recovery department, and they will not put us back in active, even though tey know they made the mistake. Now they wont even talk to us about our account and they have contracted another company to handle our account, I guess its like a collections agency, we made all our payments on time every month and this mortgage company has ruined us, we are finally getting back on our feet to rebuild our credit and because of their mistake we dont know what to do, Do you think we can do anything legally to get them to take us out of recovery? I have all documents to prove this. Thank You Tabatha


Asked on 1/07/11, 4:43 pm

1 Answer from Attorneys
Lynn Coleman Attorney-Mediator

You need to go back to your bankruptcy attorney with this issue. They are the best place to start if the payments were misapplied during your bankruptcy case. If they cannot help you they should be able to refer you to someone who can.

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Answered on 1/13/11, 11:33 am


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