My question involves bankruptcy in the state of: Kentucky my girl friend and myself filed chapter 7 over 7 years ago, we have not reaffirmed the home, we have been making payments since the discharge, through the advice of our attorney (if you want to live there just make the payment) as the loan has been sold two times since the filing. It started with Countrywide they sold to Green Tree who sold to Ditech we have not made a verbal or written agreement with any of these companies. We have paid over 100k since the discharge and over 250k before the filing our stupidity of course since the home is only worth a 130k. The title is still in both our names is there a statute of limitation for the banks to reaffirm a loan or am I screwed? as I recently tried to get a loan and this became a problem.

