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None. I filed Chapter XXXX Bankruptcy in XXXX of XXXX. I did not reaffirm my mortgage loan in the event I would not be able to pay the loan I would not be held liable and the only collection they could perform would be to reposes the home and could not file a default judgement against me due to no reaffirmation of the loan when filed Chapter XXXX bankruptcy. Now the 4th Mortgage company is filing a judgement against me with the courts for {$60000.00}. They are not allowed to file this judgement as I understood due to the Chapter XXXX Bankruptcy we filed in XXXX. I had to spend {$500.00} on a retainer fee because they have filed judgement against me when the law clearly stats if filed Chapter XXXX and no reaffirmation on the mortgage that they can't come after me personally but Shellpoint M