I filed for bankrupcty in 2008 and it was discharged October 1, 2008. In the process, I was going to reaffirm my mortgage but I had a question regarding the terms. Before I knew it, the bankruptcy was discharged and I had no reaffirmation agreement. My lawyer says that Wells Fargo didn't get back to her but I believe it is the other way around. I have attempted to contact her with this question I am asking here but she hasn't returned my messages.
I am not concerned about my credit score. It is fine with other steps I have taken to rebuild it. It has now been 5 years since the discharge and I approached a bank about refinancing my mortgage into a locked/lower interest rate. My wife and I have continued to pay the mortgage on time and it is even indicated as such on my wife's credit report.
The bank, Quicken Loans, indicated they could not help me without a reaffirmation agreement. This troubles me because I was under the impression when I filed bankruptcy that a reaffirmation agreement wasn't required. Regardless, I was told by Quicken Loans and Wells Fargo that I could have my case reopened to file a reaffirmation agreement. My problem is I don't know how to do this and my lawyer will not call me back.
Questions: 1. Will I be able to ever sell my house or refinance it without a reaffirmation agreement? 2. Should I just contact a different bank? 3. If I do need the agreement, what steps should I take to get it done?
It amazes me that after 13 years of consistent payment of my mortgage that I would have this trouble, even with the bankruptcy. Am I just naive?