Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - My Client needs to know if a Lender file a NOD on a loan discharged in Bankruptcy, Chapter 7? - My Client filed for bankruptcy, and the loan was discharged. The loan was sold four times after that, and the recent Servicer sent a bill asking for payment and then told my Client that they could foreclose upon him, if he retained the collateral. The full value of the note is wholly unsecured. -