My question involves bankruptcy in the state of: New Mexico
We filed pro se Chapter 7 Oct 2005, discharged Feb 2006 There were judgements on 3 different credit card accounts that were included on Schedule F and listed on statement of Financial Affairs page 2 #4a: Suits and.. et al.
We have recently applied to refinance the real estate property that we kept during the bankruptcy (we did not reaffirm, we just kept making the payments on our home). A lien is showing up in the title/escrow search and we were told we must 'avoid the lien' and I need instruction how to do this.
I appreciate any direction to help me with this process. Thanks in advance.

