Rocklin, CA Bankruptcy Law Firms & Lawyers

What makes you think you no longer legally own the property?  If you filed a Chapter 7 case and received a discharge and your case was closed without the Chapter 7 Trustee liquidating any assets (such as your property), then you still own it unless and until it is sold--either through a foreclosure or other sale. You are responsible for "keep up" fees as well as for any injuries which may occur on the property, so it's important to maintain your insurance until the property is actually sold. Your facts are unclear, but if what you're saying is that your mortgage lender has not yet foreclosed, then you should take steps to expedite that, such as offering to do a deed in lieu of foreclosure. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

I cannot believe that you do not understand that losing the adversary case meant that you could not use the bankruptcy court to eliminate this debt. Your choice is now either to make a payment arrangement with the creditor or negotiate a settlement. Either choice will be difficult after having been through a lengthy litigation process.

Any attempt to collect the debt after the date of filing is prohibited, including electronic checks. It is not a criminal offense to bounce an electronic check generated by the creditor nor is it a criminal offense to bounce any type of check for future deposit. It is a criminal offense to write a check without any agreement that it will be cashed at a later date when you don't have the funds in the account.