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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.

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Q: When do you have to be out of a house after it has been discharged in Chapter 7?
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Related questions

Can you open up new credit after the chapter 7 has been discharged?

yes


How soon after filing chapter 7 can you sale a house it paid for so you can move?

As soon as your discharged


I have just been discharged in a Chapter 7 Bankruptcy what does that mean?

The case, that you asked for, has been completed and resolved.


When do you get discharged from a chapter 7?

about 4-5 months after filing chapter 7.


Can a collection agency try to collect a debt that has been discharged under chapter 7?

No, that's harrassment.


You have been in chapter 7 bankruptcy for 5 years the house needs major surgery Are there anyplaces to go for an equity loan And what happens if you leave the house?

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.


Is it legal for a creditor to charge late fees on an account AFTER it has been discharged in chapter 7?

Provided the account was indeed discharged and the late fees were generated after the discharge, the answer is no.


Is a Chapter 7 bankruptcy considered final after the meeting of the creditors has been held?

It's final after the BK has actually been discharged.


Can you file an adversary petition after a chapter 7 has been discharged?

Discharged normallly means its all over, all dates to file a protest have past and its a done deal.


Forgot to include a creditor in a chapter 7 it is unsecured will it still be discharged?

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.


Can a collection Agency collect a debt after a chapter 7 in Tennessee if it was accidentally omitted?

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.


Do you still owe if chapter 7 discharged second mortgage?

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.