Foreclosure by unknown company

Posted by COAmy on February 26, 2005 at 05:18:03:

Our Colorado home was included in our Chapter 7, which was discharged last March. The mortgage shows on our credit report as discharged. But, we also have a past due/$XXXXX.XX dollars owed, foreclosure entry on our credit report from a company we had never heard of. When we contacted that company, they said they bought the loan from the original company in July and foreclosed on us in September. Since they bought the loan after the discharge, can they still report the foreclosure to the credit reporting agencies? What, if any, protections do we have under the Bankruptcy Code or Fair Credit?

Follow Ups:

• Re: Foreclosure by unknown company - Don 19:03:20 02/27/05 (1)
  • Don,.. - Jim V 21:45:36 02/27/05 (0)
• Re: Foreclosure by unknown company - Nick(Colorado) 13:33:35 02/26/05 (0)
• Re: Foreclosure by unknown company - Ray 07:38:48 02/26/05 (0)

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: Our Colorado home was included in our Chapter 7, which was discharged last March. The mortgage shows on our credit report as discharged. But, we also have a past due/$XXXXX.XX dollars owed, foreclosure entry on our credit report from a company we had never heard of. When we contacted that company, they said they bought the loan from the original company in July and foreclosed on us in September. Since they bought the loan after the discharge, can they still report the foreclosure to the credit reporting agencies? What, if any, protections do we have under the Bankruptcy Code or Fair Credit?


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