My question involves bankruptcy in the state of: Michigan
I'm having issues with what is being reported to credit agencies from a foreclosure and second mortgage on that foreclosure many years ago from a divorce that were included in my bankruptcy. My credit report shows my foreclosure and second mortgage from Sky Bank the lender that I had when I went through this process. The foreclosure and second mortgage that goes with it are over 6 years old. My bankruptcy discharge was almost 3 years ago now. The issue I have is that Sky Bank went under in the mortgage collapse. It appears that everything was transferred to Huntington Bank. I just now was notified that Huntington Bank has reported the second mortgage as closed in the bankruptcy but that they closed it this past friday and added it to my report which knocked my credit score down almost 50 points. So how can I have a delinquency reported from Sky Bank on both the mortgage and second mortgage but yet have those same exact accounts being reported as delingquent by Huntington Bank for both accounts? That makes it look like I had 2 delinquent mortgages and 2 second mortgages for the same amounts at the same time? I've disputed this case numerous times with all credit reporting companies and nothing gets changed. Is there such a thing as a credit lawyer that I need to get involved to get this rectified? What other options do I have? Thank you.