I have posted on here in the past regarding our mortgage. It was originated in 2004 by a company that filed bk a few years ago. We discharged the debt in an 05 ch. 7 bk and the company never sent reaffirmation papers for us to sign. We fell way behind in 08 due my husbands injury and have not made any payments for quite awhile. Last fall we rec'd a letter from a foreclosure attorney. I sent back a debt validation request within the 30 day time period return receipt requested. I have the receipt, but they never responded with the debt validation and nothing has been filed in court. Also, even though the lawyer listed US Bank as Trustee, there are no transfers or assignments recorded in the county records after the orginal lender. Now we are beginning to receive calls from the mortgage servicer who is responsible for collecting our payments. I am keeping a record of the calls. I have also noticed lots of attorney fees on our bill that were listed after I sent the debt validation letter. I thought this was not legal for them to pursue any further until the debt was validated. Also after a bankruptcy on a debt that was not reaffirmed, why would they be calling me. I do not answer. I am wondering if they are trying to make a deal, but I don't want to communicate with them by phone and have received nothing but monthly bills from them. Thanks for any advice.