lien on property debt was discharged in bankruptcy
(Lexington, KY USA)
We are trying to refinance house and redo HELOC. We are 8 years post Chapter 13 BK, filed(2007) and completed/discharged in 2012. A lien was placed on property less than a month before we filed in 2007 by a credit card company that won a judgement. This debt was discharged in bankruptcy. Any way to remove it? My inexperienced attorney did not check for the lien even though he was aware of the judgement filed and drug his feet for almost a month to file chapter 13 BK then did not claim any exemptions so lien could be avoided. He tells us we would lose if we tried to reopen the case and have the lien avoided or removed because at that time there was not enough equity in the home. Can I get the credit card company to remove this? Is the lien still valid/enforceable since the debt was discharged in BK? PLEASE help!! Thank you so much!!