First, bluntly - your talking crazy - or maybe just ignorantly - which may be one of the reasons you went bankrupt. ALL HELOCS have a lien on the property, by definition. Period. End of story there.
ALL YOUR DEBTS AND ALL YOUR ASSETS WERE SUBJECT TO THE ACTIONS OF THE BK COURT. Discharge (which as it is the best thing that can happen, I don't know why you would question - if it wasn't discharged, then you still owe it). Period end of of story.
GET PERSONAL, INDIVIDUAL FINANCIAL AND LEGAL HELP...YOU'VE BEEN LUCKY BY WHAT YOU'VE SAID HERE...ONLY GOING BK (agreeably saying by doing so your a financial failure) AND HAVING THINGS FALL YOUR WAY, (dicharges of debts) INSPITE ANYWAY.
And of course...basically any loan/debt (except Fed ins student loans), WITH a lien (as well as those WITHOUT one - like credit cards), may be discharged...and any bankruptcy court action is of public record and should correctly be reported on your credit report. It will remain there for 10 years.
Bankruptcy does not get discharged. Debts are discharged. The bankruptcy will remain on your credit report for 10 years from the date of filing. The debts that were discharged can remain for 7 years from the date of discharge, showing a zero balance and that they were discharged in bankruptcy.
Yes, discharged debts are generally noted as "included in bankruptcy" on a CR.
Not if the debt was discharged in the bankruptcy. If the judgment was on the credit report before the bankruptcy was filed and/or was discharged in the bankruptcy, the entry will still remain on the CR for seven years.
If a loan from a credit union has been discharged in bankruptcy court, that credit union cannot collect and must write the loan off.
10 years
The debt should be identified as being in bankruptcy or discharged in bankruptcy. It will remain on the list for 7 years. The bankruptcy will remain on the report for 10 years.
:A bankruptcy under chapter 7 or 11, or a non-discharged or dismissed chapter 13 bankruptcy generally remains on your credit file for 10 years from the date filed. A discharged chapter 13 bankruptcy generally remains on your credit file for 7 years from the date filed.
The bankruptcy is not discharged. Your debt obligation is discharged. The discharge notice usually is mailed to you about 6 weeks after the 341 meeting. The filing of bankruptcy will stay on your credit report for 10 years from the date of filing.
When it is filed. A discharge may be opposed by a creditor and there may be listed debts that cannot be discharged, or unlisted debts that may be discharged, so the "discharge" date is irrelevant.
Any foreclosure or bankruptcy affects your credit. And for anywhere from 7 -10 years.
"Discharge" applies to a debt being wiped out by the bankruptcy court. If all the requirements are met and approved by a bankruptcy judge, then yes, a debtor's obligation can be discharged. If the debtor does not file or qualify to be granted a bankruptcy, then No, his debt will not be discharged, or forgiven. It needs to be paid.
Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.