I am new to foreclosure and I don't know what to expect.
About this reaffirmation. I assume that the bank would want me to reaffirm the loan. What does it mean that I did not reaffirm this loan in my bankruptcy, if anything? Before I missed the December payment (and 2 months after the discharge in the bankruptcy) the mortgage holder said the only thing that me not reaffirming the loan does is that it prevents me from logging into their website. I would have thought that it means more than that.
I was thinking that someone made a mistake in not making me reaffirm the loan (and to be honest, I thought I had reaffirmed). Do they really think that me not being able to log into their website is incentive enough for me to reaffirm the loan? It would be really nice if I didn't get a foreclosure remark on my credit report.
How will I know that these foreclosure proceedings have started?
I assume they don't start posting "Forclosure" signs in my front yard until after the 180 days?
Thanks again...

