I filed bankruptcy in January 2013. It was discharged in May. I did not reaffirm my mortgages but plan on keeping the house. I have made monthly payments. All the sudden in October, the bank stopped applying my payments. My account shows I haven't made a payment since October and they have all my monthly payments listed as unapplied funds. I called to find out why they weren't applying my payments anymore and they said no one at the company could talk to me only my lawyer.
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