Am I legally responsible for foreclosure fees after bankruptcy discharge and not reaffirming my mortgage? 7 Answers as of March 24, 2011I received a Ch. 7 discharge 3 years ago. I did not reaffirm and have made my mortgage payments ever since. I am now considering walking away from my condo. Would I be responsible for the bank's foreclosure attorneys fees? Are those fees considered new debt?
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Your obligation under the mortgage note was to pay legal fees in the event of a foreclosure. But when you filed bankruptcy (and did not reaffirm the mortgage obligation) you got rid of your obligation to the bank including the obligation for the legal fees.
Answer Applies to: New York