Reaffirm my mortgage ?

[ABC]

With the Chapter 13 ending soon ( 2 payments left ) do I need to reaffirm my 1st mortgage prior to ending the BK ? My 2nd didn't file, will be scratched off, and already sent me a letter saying they were releasing the lien.

My thought is I do have equity now and I want the mortgage to start reporting.

Thoughts pro and con ?

[despritfreya]

No such thing as a reaff in a 13. How or if the lender will "report" is anyone's guess. If your Plan stated you were keeping the property and making the payments (to the 1st), the debt is not subject to the discharge but few lenders understand 11 USC 1328.

Des.