Will I be responsible for the mortgage or related taxes after bankruptcy? 5 Answers as of October 13, 2010I filed for Chapter 7 in June 2009 after my husband passed away. I did not reaffirm my mortgage and am now 10 grand behind on it. The bank said I can surrender the home and I will not be responsible for any mortgage or taxes surrounding the mortgage. Is that true?
Sussman & Associates | Mitchell Sussman
Your bankruptcy discharged your debt. That means if you did not reaffirm that you will have no further liability to your creditors. This includes your mortgage. The real estate taxes are not your personal responsibility. Whoever owns the house after you will have to clear up the back taxes.
Answer Applies to: California