I live in Chicago IL area, and had some issues with paying my mortgage over the past 2 & 1/2 years. The original mortgage company ended up selling to another company after I filed chapter 7 bankruptcy. I then received a statement from the new company with the full amount of the mortgage, saying they were the new owners of the debt.
After a few months of never getting another statement from them or anyone, I had to buy a new car. Checking my credit score I noticed something odd: Both mortgage companies' status is listed as Closed Accounts with $0 payments due.
Which brings me to my questions:
1) Am I mortgage-less now?
2) Where is my deed and or title?
3) Did the mortgage companies just write if off as a loss due to the amount left on the home?
4) How do I look into paying the property tax which I still need to get adjusted before the next tax installment?
5) Should I still consider moving?
There haven't been anymore court dates either for a while now. The house was bought at $60k in a area where there are a lot of people either losing their homes or having to sell. I don't want to lose my home if I really don't have to; I hate this stressful situation that took me and my family by surprise.