Florida | Real Estate Law
Legal Question
I live in Florida and I have recently filled for bankruptcy chapter 7 and have been discharged, I included my house in the bankruptcy but decided to keep before it went into foreclosure, I worked out a new mortgage plan with my lender under the HAMP program and I'm signing the papers today with an affordable payment, I also had a second mortgage that was sold during the bankruptcy, before the discharge, to another lender, I'm guessing as a bad loan. The second mortgage company keeps calling me now trying to refinance or settle the second mortgage debt for a lower single payment, my question is this: Do they have any power over the house? can they take it away or foreclose on my house? Should I work with them? The reason for my question is that I cannot afford to pay them anything, after the refinance of the first mortgage my payments for that would be just enough to survive, any input would be greatly appreciated.
Dan.
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