Personal Liability On Your Mortgage Is Discharged In Bankruptcy

In most cases, your personal liability on a mortgage is discharged when you receive your Chapter 7 discharge. This means you are no longer personally liable for the mortgage debt. Your real property continues to secure the mortgage. If you fall behind, your lender can foreclose on the real property. However, your lender cannot sue you for any deficiency balance after the foreclosure sale.

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If your house might be foreclosed, we can help you explore your options and take legal action.

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