My question involves bankruptcy in the state of: Wisconsin
I filed a chapter 7 and it was discharged in October of 2009. I did not reaffirm my second mortgage and have been paying every month on it. I now find myself in some financial difficulties. What happens if I quit paying on the second mortgage? I know I no longer have personal responsibility for the debt and I know since there is not enough equity in the home to pay off the second mortgage it is unlikely that they will foreclose. I understand that they no longer report payments to the credit bureau. If I quit paying the second will that do anything to my credit score? What happens to my score when I sell and they cannot collect the debt?
Thanks

