Bryan, TX Bankruptcy Law Firms & Lawyers

The rules about reaffirming a HOUSE are totally different from the reaffirmation rules relating to a CAR. So don't read on the internet a comment saying they could take the car, and then think that means they could take your house. Instead, take a look at the section of the bankruptcy code that governs reaffirmation. You'll see in there that reaffirmation agreements are for PERSONAL property (like cars, furniture or jewelry). Your house is not personal property, it's REAL property. Completely different animal.

Your time to object to the discharge of her debt has passed, so there isn't anything you can do at this point.  You could have possibly objected on the basis of fraud (although that is difficult to prove, and would have cost at least $5,000+ to litigate). If she had any unprotected assets, you should have received a notice from the court telling you to file a claim.  If not, then there is nothing to be disbursed, and your debt having been discharged, there isn't anything further you can do.  

This is a good example of why people should not reaffirm the mortgage in a chapter 7. The debt was discharged and BOA cannot come after you on that debt. Marking it as "settled" or "paid settlement" should not affect your credit, which has already been damaged by filing bankruptcy. The credit you are able to get afterward is dependent upon the lending practices of the institutions you apply to. They can be assured that you will not be filing bkr for another approximate 7 years. Use that to your advantage.