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What Can Mortgage Creditors Report On Your Credit?

Mortgage creditors are limited in what they can report on your credit report after your bankruptcy discharge.

Because your personal liability on a mortgage is discharged in a Chapter 7 Bankruptcy, creditors can only report that the balance due on your mortgage is $0 after your bankruptcy discharge. Reporting anything other than the debt was discharged and the current balance is $0 is inaccurate and a violation of federal and state law. Some courts have Held this is also a violation of the discharge injunction in bankruptcy law.

Speak to a Torrance bankruptcy attorney today

Our staff is friendly, helpful and focused on helping you with your bankruptcy needs. We will tailor a legal approach uniquely suited to your needs and goals. We serve clients throughout the Los Angeles and Orange County metro with offices in Torrance, Long Beach, West Covina, Cerritos and Huntington Beach.

Categories: Bankruptcy
  • Our Guarantee to Our Clients

    We promise to represent your best interests and keep you fully informed.

    Read Our Guarantee
  • Bankruptcy eBook

    Get a FREE eBook to become more familiar with the bankruptcy process.

    Download It Here
  • Our Video Center

    Click here to access a list of our firm's videos.

    Get More Information
  • When You're Ready To Talk

    We're ready to listen. Contact us to receive a free initial consultation.

    Request a Consultation

When You're

Ready to talk

Our firm is ready to listen. Call for a FREE case consultation.

Call Toll-Free 888.910.6652

"The Law Offices of James C. Shields is located in Torrance and proudly serves clients all throughout the South Bay including:

  • Long Beach
  • Carson
  • Irvine
  • Los Angeles
  • Palos Verdes Estates
  • Huntington Beach
  • Hermosa Beach
  • Redondo Beach
  • Manhattan Beach
  • Newport Beach
  • Costa Mesa
  • El Segundo
  • Rolling Hills
  • Hawthorne
  • Playa Del Rey and Culver City
Law Offices of James C. Shields - Torrance Bankruptcy & Estate Planning Attorney
Located at 21707 Hawthorne Blvd, Suite 204
Torrance, CA 90503.
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Phone: (888) 910-6652
Local Phone: (310) 626-4404

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