Divorce, Bankruptcy and Foreclosure

Long story, but I'll try and make it short. I was divorced in 2/01. I got one house, ex got one. In 8/01 I lost my job, rented my house out and moved back home. Ex continued to not pay the mortgage, and I was making 1/2 what I had been making, and couldn't pay my bills, so I filed Chapter 7 on 9/02. The ex's house just started foreclosure, and I was served. I gave up legal rights to the house in the divorce, and financial responsibility in the bankrutpcy. Now, my credit report is showing foreclosure, and $13,000 past due.

First, can they do that? I thought once I was discharged that the included accounts couldn't be updated?

I've looked all over the site, and sorry if it's a redundant question...... I'm at a loss.

Were they listed on your bankruptcy papers?

Yes, I surrendered the property in the bankruptcy, and it is in my papers. I wrote to the mortgage company and asked them to help me out with the reporting, explaining thoroughly the situation. Now, the latest is that the foreclosure was stopped due to the Soldiers and Sailors Relief Act, and now two reports state paying as agreed, never late, and one states foreclosed, 13K..... So even after explaining this to all 3 CRA's AND to the mortgage company, its still not right! I have been fighting with them on this for 3 months... any ideas?

Obviously, better to show paid/never late than foreclosed, but it's not right, and I want to buy another house next year, to keep that on there would completely mess up my debt to income ratios on my credit report. I just plain don't understand why they can't get it right!

The SSCRA - that's another twist.

Have you just disputed the balance?

And, I wouldn't complain about the "paid as agreed" reporting until you ARE ready to buy. It should help you getting your credit to where you can qualify.

I'd go for the "paid as agreed" on all of them.

There is NO debt/income ratio on your credit report - your income isn't reported.

Ok... thanks, I'll go for paying as agreed for all, my concern with that was two things:

1. The SSRA will only protect him for I think 6 months, then it'll be right back in foreclosure if he doesn't make the payments, now considering he has only made 2 or 3 since 2/01, I'm not holding my breath.

2. If I put in writing on a dispute to get it to say paid/never late, I'd be concerned about it actually coming back to me financially when the house actually DOES get foreclosed... can that happen?

Thank you SO MUCH for all your advice, I'm taking it to heart!