My question involves a consumer law issue in the State of: New Jersey
I own a house with someone. The other person is not a relative of any kind (not married, no domestic partnership etc.). The person filed for bankruptcy. I did not. I wrote a letter to the mortgage company to ask a question regarding possibly refinancing my mortgage. The mortgage was not in arrears of any sort. The mortgage company sent me a letter indicating that they sent a letter to my bankruptcy attorney and needed his written authorization before discussing any workout options. First of all I did not file for bankruptcy my name was in no way associated so the attorney to whom they wrote. Secondly, the letter I sent was not regarding any workout options. The mortgage is not behind...nor has it been. I was simply inquiring about a refinance. I have written my mortgage company 4 times asking for a copy of what was sent to the lawyer and the only response I received from my mortgage company was that they had bankruptcy indicators on my loan and that is valid under chapter 7 rules. My question is did my mortgage company have the right to send any information regarding my inquiry to someone whom I have no dealings with?