Credit reporting agencies not accepting mortgage payment

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Reply-To: Roland Kedikian
X-Original-Return-Path: Roland Kedikian
To: cdcbaa@yahoogroups.com
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I ask the client to get a letter from the lender saying they won't refi
without a reaffirmation. Have not gotten a letter back yet!
Roland Kedikian
Roland Kedikian, Esq.
Bankruptcy Attorney
626 445 2411 (Arcadia office)
818 409 8911 (Glendale office)
roland@losangelesbklaw.com
http://www.LosAngelesBKLaw.com/
On 10/13/2015 1:56 PM, Holly Roark hollyroark22@gmail.com [cdcbaa] wrote:
> As most of you know, mortgage lenders refuse to report ongoing
> mortgage payments after the debtor has received a discharge in a
> chapter 7. The common workaround is to tell the debtors to obtain a
> payment history once a year from the lender and file it themselves
> with the credit reporting agencies. Well that's not working out.
>
> One of my debtors reported to me today that the credit reporting
> agencies will not accept her payment history and that they will only
> accept a payment history from the lender. Debtor wants to refinance
> and is (again) being told by the lender that she should have
> reaffirmed her mortgage in the BK and that they won't refi without a
> reaffirmation.
>
> What do we do now? How do we get some relief for our debtors? This
> happens all the time and I am sure all of you are getting the furious
> debtor calls from cases 3 or 4 years old who are mad because you
> "failed" to reaffirm their mortgage in the BK.
>
>
>
> Holly Roark
> Certified Bankruptcy Specialist*
> /and Sports Lawyer/
> holly@roarklawoffices.com **primary
> email address**
> www.roarklawoffices.com
> *_Central District of California & District of Idaho_* - Consumer
> Bankruptcy Attorney
> 1875 Century Park East, Suite 600 Los Angeles, CA 90067
> T (310) 553-2600; F (310) 553-2601
>
> *By State Bar of California Board of Legal Specialization
>
>
>

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