On another non-Usenet forum someone posted the following situation and I am\nwondering if anyone here can offer any information or suggestions:\n\nThe poster reported that he filed a no-asset Chapter 7 bankruptcy in\nCalifornia and recently received a final discharge. Apparently, he had a\nproperty with a first and second mortgage and there was a foreclosure on the\nproperty before his bankruptcy filing. Now, after the bankruptcy, he said\nthere is a judgment against him which shows up on his credit report.\n\nHere's part of what he wrote,\n\n"I live in CA. The house was foreclosed in San Diego and they placed a lien\non me in Los Angeles county. I do not own real estate now. I foreclosed and\nthe bank sold the debt to a debt collector. They filed a default judgment\nagainst me in court for the 2nd mortgage. I'm worried the lien will affect\nmy future purchase of a home."\n\nHe did have an attorney represent him in the bankruptcy filing, and his\nattorney indicated to him that maybe he (the attorney) would need to file a\nmotion to re-open the bankruptcy case and then get the bankruptcy court to\nvoid the outstanding judgment. The problem is that it would cost a lot of\nmoney to do that.\n\nMy thinking is that most likely the outstanding judgment is an unsecured\ndebt based on a deficiency judgment following the foreclosure, and that\nunderlying unsecured debt would automatically be discharged as part of the\nno-asset Chapter 7 bankruptcy proceeding whether or not it was actually\nlisted as a known debt at the time of the bankruptcy filing. If that's\ncorrect, and the underlying debt is an unsecured debt, wouldn't the judgment\nnow be null and void, and wouldn't the judgment holder be obligated under\nthe FDCPA to release the judgment and cause it to be removed from the\njudgment index?\n\nWould one option for this person be to get a copy of his credit reports,\nthen write back to the 3 credit reporting agencies and state that the\njudgment is for a debt that was discharged in bankruptcy and should be\nremoved from his credit reports?