Because the house has been returned to the lender. It is not "yours" in any sense and you have not arranged to reclaim the house by making payments.
yes
As soon as your discharged
The case, that you asked for, has been completed and resolved.
about 4-5 months after filing chapter 7.
No, that's harrassment.
Discharged for 5 yrs? Alot of companies will do an equity loan after chp. 7 has been discharged, check with a mortgage broker they have alot of diff. lenders to work with and should know who has the best rates for your situation.
Provided the account was indeed discharged and the late fees were generated after the discharge, the answer is no.
It's final after the BK has actually been discharged.
Discharged normallly means its all over, all dates to file a protest have past and its a done deal.
No, but you will be protected under the stay for as long as the Ch. 7 is active (not been discharged or dismissed), and you have alotted amount of time to add creditors.
Any debt that was omitted from the Chapter 7 can be collected after the discharge of the bankruptcy. If the bankruptcy has not been discharged, you may sitll be able to add it to the list of debts. If however the stay has been lifted (the bankrutcy is discharged) then there is no protections and you are vulnerable.
If it was discharged, then you don't owe it anymore. However, you can't just assume that any particular debt was discharged by the bankruptcy, it has to be specifically listed. In particular, you probably cannot keep your house AND get your second mortgage discharged.