My question involves bankruptcy in the state of: Michigan
I was served a summons that I am being sued by the person who cosigned for my home loan.
Long story short...I lost my job. She wanted us to sell the home as she knew it would be almost impossible for us to make the payments. We agreed...actually we had no choice. We filed bankruptcy. chapter 7. We then worked out payment for the cosigner. She considered the debt between us paid. We moved from our home to another state for work.
2 years later...now..I am served with papers and I am being sued! All though a lot of our agreement was verbal..there was some paperwork...that I don't have now. We can't find it...I am afraid it was thrown out...it was settled over 2 years ago!
So..we can't afford to travel to another state to fight it anyways. If your wondering why she would come after us now and for what reason....family..greedy family..she has the beginning stages of alzhiemers..so we know its not her acting alone.
Since we filed bankruptcy and did not reaffirm the loan on the home...can she still sue us for the difference? Or is that debt considered part of our bankruptcy....since it is for the loan we included in it?
We do not have the money to fight it.....so if she will get the judgment if she is able to still sue us.
If that happens..how easy will it be for her to get an order to garnish my husbands wages?
I know most cosigners get screwed...but we honestly paid it with my retirement. So we are the ones getting ......
Any help would be appreciated.

