My question involves bankruptcy in the state of: CA
My bk was discharged 4/2009. All debts were included in the bk when I filed. How do I know what debt was discharged (the discharge letter does not tell me)? On my credit report, my 1st mortgage shows included in the bk, but not the 2nd. Could the 2nd not have been discharged? How do I find out?
I kept the house by making payments on both 1st and 2nd. I did not re-affirm as my bank was not willing to do so. Whenever I call the mortgage company, I am referred to the bk department (both loans are with the same bank). I owe 160k on 1st and 16k on 2nd. My house is valued 93-95k. What happens if I stop paying the 2nd?
I filed for a loan modification last week as my mortgage is 33% of my gross. Would this be considered a re-affirmation? I do want to keep the house, but at almost 50% equity loss ... what should I expect or do?

