Does the OR give your new address to creditors?

kepar

unsure100 wrote: »

So just to clarify, I can post the keys back after Br but before discharge and I am not liable for the resultant shortfall?

That's what we did 3-4 months after going br we sent the keys back.

alastairq

hi....although secured debts are not included in a bankruptcy....if a debt subsequently becomes unsecured....and was initiated pre-BR.....[which your mortgage was?].....then the unsecured balance [shortfall] becomes included within the BR....

[unless, as others have said you make the mistake of subsequently signing a document stating you ware liable for shortfall?]

So it really doesn't matter at what time the property is re-possessed....