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Midland Mortgage Not reporting to credit bureau after bankruptcy Ripoff Oklahoma City Oklahoma
In June 2004 we finalized our bankruptcy. Our original mortgage was through Principle Residential Mortgage. Midland bought them Jan 2005 I believe. After 2 years have past we decided to take a look at our credit report and realized that Midland is not reporting us to the credit bureau's. They say its because they never got a re-affirmation agreement from us and they say it is unlawful for them to report us without that re-affirmation agreement. My bankruptcy lawyer says that it is usually up to the mortgage company to send a re-affirmation agreement but in my case they did not which at the time was principle residential mortgage. My laywer said he could file a petition with the courts to see if we can get a re-affirmation agreement but it would take more money that I don't have. Midland basically says I am screwed. What do I do now? Help!
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