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What is the name of your state? AZ
I filed Chapter 13 bankruptcy in 2004. The only thing in the bankruptcy are my mortgage arrearages. I make a monthly payment to the bankruptcy court, as well as my regular monthly payment to the mortgage company.
I recently tried to refinance, but was unable to due to the payment history being reported to the credit bureaus. Apparently, payments I make are being applied to the arrearages in the bankruptcy. For example, when I made February, 2006 payment, it was applied to the November, 2004 payment due (in the bk). Because of this, my credit report shows that I am over 180 days late on all payments up to the present.
Can they do that? I have made timely payments since resuming my regular payments, but that is not reflected anywhere. I asked them to correct this, but they will not.
Any help regarding this would be greatly appreciated.
Thank you,
LauraWhat is the name of your state?What is the name of your state?
I filed Chapter 13 bankruptcy in 2004. The only thing in the bankruptcy are my mortgage arrearages. I make a monthly payment to the bankruptcy court, as well as my regular monthly payment to the mortgage company.
I recently tried to refinance, but was unable to due to the payment history being reported to the credit bureaus. Apparently, payments I make are being applied to the arrearages in the bankruptcy. For example, when I made February, 2006 payment, it was applied to the November, 2004 payment due (in the bk). Because of this, my credit report shows that I am over 180 days late on all payments up to the present.
Can they do that? I have made timely payments since resuming my regular payments, but that is not reflected anywhere. I asked them to correct this, but they will not.
Any help regarding this would be greatly appreciated.
Thank you,
LauraWhat is the name of your state?What is the name of your state?