You still own the house. You can always sell and refinance as usual. That has not changed. If you accept your payments on the vehicle without supporting the rental agreement (i.e. the equivalent of confirming a rental agreement), you can simply continue to make payments until the end. I guess you will have no problem with the lease. Creditors are not required to report to credit institutions. But if they do, it must be good. To the extent that the report indicates inaccurate information, you have every right to challenge it. It is a federal law that applies in all states.
If he says that the mortgage account is “closed,” it seems to me that it is by mistake and that it could be corrected. Did you go to the court to confirm that the confirmation agreement was filed in court in a timely manner? That may be the problem, at least for some credit reporting issues. Maybe you can get a payment history from them that shows all your payments because bk was punctual. What interests me is what they say. I have a similar situation with Wells Fargo. During our bankruptcy, my lawyer asked to send confirmation documents for our mortgage and car credit. It wasn`t until more than a year later that I realized that the Well Fargo was not sending us a confirmation letter. At that time, we were from HAMP and payments, as agreed as part of a payment schedule. It was only when our HAMP was signed, sealed and delivered, more than 12 months later, which included a new mortgage contract, that I called Wells Fargo for non-reporting of payments (taking into account that all through the change process, I was assured by several “conservation specialists” that once everything was concluded , my payments would be reported on credit), told me that it was the policy, not to send confirmation documents if you are not aware of the mortgage. My argument is that I`m currently on the TPP that approved wells, in a conversation with my bankrupcty lawyer, he said he had particularly hard times with Wells Fargo, and speaking with Wells Fargo, I was told it was the same credit number, so they can`t report it. I have the feeling that we have signed a new contract and that a new contract should be on our credit score.