If I default, can they sue me and even garnish my wages? 5 Answers as of September 18, 2017

I have been reading about this and it scares me to commit to a reaffirmation. I filed chapter 7 and did not reaffirm my loan. I was trying to refinance but lender said that I have to reaffirm the loan with them.

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Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
First, it is too late to reaffirm anything if the case is closed. I assume this some type of secured loan. See an aggressive bankruptcy attorney - especially if you have a writing that says you have to "reaffirm."
Answer Applies to: California
Replied: 9/18/2017
GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Need to review the papers. Otherwise, all advice is a guess.
Answer Applies to: Colorado
Replied: 9/18/2017
OlsenDaines | Rex Daines
The lender is lying. You don't have the reaffirm mortgage. Keep paying and you can keep the home. That particular bank might not refinance or modify your loan, but you can go to another bank if you want to refinance. Also, you can not force a bank to reaffirm a mortgage with you AND you cannot reaffirm any loan after the bankruptcy is discharged.
Answer Applies to: Oregon
Replied: 9/18/2017
Stephens Gourley & Bywater | David A. Stephens
If you do not reaffirm, the most they can do is foreclose on the house. If you do reaffirm, then all of their rights against you personally can be used.
Answer Applies to: Nevada
Replied: 9/18/2017
Ronald K. Nims LLC | Ronald K. Nims
You cannot reaffirm a loan after your bankruptcy case is closed. You can refinance but only with a different lender.
Answer Applies to: Ohio
Replied: 9/17/2017
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