I went through 3 sample loan modification prior to being told by Bank of America that I would be better off to file Bankruptcy. In August of 2012 I filed for Bankruptcy and included my Home Loan to Bank of America and on Nov 1st 2012 my home loan changed lenders 4 days later it was discharged in my Bankruptcy. For the past 2 years since the Bankruptcy my lender has changed 1 more time and they have asked me not to move out and now they are offering me a loan modification on a house I included in my Bankruptcy.
The debt was discharged in my Bankruptcy but they are still billing me as if it wasn't and are trying to convince me that I can still do a Modification but won't disclose the terms and are telling me to make the 3 sample payments and then they will make me an offer and disclose the terms. I always wanted to keep my house but the value is less than it was and the payments are extremely late. If I don't like their offer after making the sample payments, have I messed up my Bankruptcy?
The debt was discharged in my Bankruptcy but they are still billing me as if it wasn't and are trying to convince me that I can still do a Modification but won't disclose the terms and are telling me to make the 3 sample payments and then they will make me an offer and disclose the terms. I always wanted to keep my house but the value is less than it was and the payments are extremely late. If I don't like their offer after making the sample payments, have I messed up my Bankruptcy?