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I file chapter 7 bankruptcy was DISCHARGE from the debt of my mortgage did not reafirm the dept but stayed in home as renters . six months later specilized loan serviceing contact me by mail and said they were the serviceing company for Amercian home mortgage and they could do a loan modification for me keep in mind this debt was DISCHARGE in chapter 7 bankruptcy this was not legal I paid hoa fees home insurence city taxes county taxes they reported to all three credit reporting agents. they have removed it from my credit now I am waiting for them to refund all funds paid because renter dont pay hoa fees nor do they pay city county taxes and home owners insurance on the house they rent

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