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Alone in the Wilderness, I wish I had answers to your questions. I have heard that the court system in NJ is backed up over a year with foreclosures. We are in Atlantic County and when I go on our township's website, I see many properties on the sheriff's sale list, but most of the sales have...

Thanks for the information. After originally putting almost $100,000 down on our house, the house is underwater over $50,000. I also felt that maybe our paperwork was misplaced by either Countrywide or Bank of America. Months before our bankruptcy we asked for verification that BOA had posession...

Thanks for the fast reply. If a mortgage cannot be discharged in a chapter 7 bankruptcy, why is it showing on our credit report as discharged, and is no longer reporting? Are we still responsible for the mortgage?

I live in NJ we had a Countrywide mortage in 2006 that was sold to BOA. In December of 2010 we had to file Chapter 7 bankruptcy due to the downturn of the economy. BOA was suppose to reaffirm our mortgage debt, but never did. Once we relized that our mortgage was discharged in our bankrupcy we...