I filed chapter 7 10 weeks ago. Three of my depts I wanter to reaffirm on. Two were car loans and one was a mortgage. The banks through which I had the car loans through jumped at the chance to reaffirm on the loans but I never heard anything from the mortgage company. I called them and they said they don't submitt reaffirmation agreements, the person filing has to. I called my attorney and he said not to worry about it. A week ago I received a letter stating my depts were discharged. So I check my credit report and it shows me owing nothing on my mortgage and it being in default when I always make my payments ontime. I called my mortgage company and they would have reaffirmed the dept, but there is nothing they can do now that it has been discharged. Can I reopen the bankruptcy somehow and still reaffirm the dept?
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Reopening chapter 7
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