Reaffirmation agreement

[Argh!]

Hello,

I just had my discharge, and I never had to sign a reaffirmation agreement on my first or 2nd mortgage.

Not that I plan on it, but does that mean if my house is foreclosed on, they can't come after me for the difference?

[keepmine]

Yep, you have no liability for a deficiency balance.

[Argh!]

If I just had my discharge (case not closed as I still have to submit my tax forms), and I signed no-reaffirmation agreement, would that give me some bargaining power to re-fi my upside down house?