Lamar, CO Bankruptcy Law Firms & Lawyers

The reaffirmation agreement had to be filed with the court. You can check the docket in your case at the court or you can contact your attorney and see if he/she would be willing to pull it up for you. Many of my clients believe they have reaffirmed their mortgage when they have not. I typically advise my client to continue making payments on their mortgage and NOT reaffirm. But, I frequently get calls from clients who received their discharge several years ago where the mortgage company tells the client they need to re-open their bankruptcy and file a reaffirmation agreement. Not possible in my district.

Yes, you can include credit card debt in your bankruptcy. All debts are included. The only question is how they are treated. As to the timing of your bankruptcy, I would suggest filing before you get married because your fiancee's income will not be included to determine whether you qualify for a Chapter 7. If you wait until you get married, it is possible that your combined income would exceed the median and make it very difficult to qualify under Chapter 7.

Although the short sale info won't hit your consumer credit report or affect your FICO score, I would expect this short sale to be known as a risk factor when you apply for new mortgage financing.