Reaffirming mortgage

[jlaury1]

Why do some creditors require the person filing to supply a reaffirmation agreement. My attorney said he had not heard of this before and said it is in the best interest of the creditor to supply it. This is concerning a mortage with Wells Fargo. They said they don't require debtors to reaffirm. I thought banks would jump at the chance to reaffirm because they could end up loosing money