My question involves bankruptcy in the state of: Florida
Last year I had my debts discharged in a chapter 7 bankruptcy filing. I decided to retain my home as I was working on a modification agreement on the 1st mortgage which was recently approved. I am planning on signing the modification agreement. By agreeing I am reaffirming the debt correct?
My 2nd mortgage has been charged off. If I fail to make payments on the 2nd mortgage, at any time the lender can foreclose on my home as the 2nd mortgage lien still exists correct?
If the home is foreclosed on sometime down the road, can I be held liable for a deficiency balance from the 1st and/or 2nd mortgage balances at any time (e.g. 2 years) down the road? The mortgages were discharged in the bankruptcy filing.
Thank you.

