My question involves bankruptcy in the state of: MN
I signed a reaffirmation agreement just before walking in to my bk hearing. it was for the second mtg not the first. i thought i had to sign if i wanted to stay in my house.. stupidly i just thought we'd sign the others later on... well, 2 year later i just still cannot afford the mtg.. the arm adj .... the reaffirmation agreeemnet is filed with the court, HOWEVER the 2nd mtg company treats me as if the debt was discharged through bk. on credit report has always said IIB and my statements say for informational purposes only, your mtg included in bk. is it possible the reaffirmation was not approved? i signed and the att signed (if i only really understood it) is it possible the second mtg simply lost the paperwork? i am trying for a short sale and am worried about in deficiency on the second. my pay has been cut in half on top of not being able to catch up or afford from before. i cannot pay anything now.. Also, my BK att never told me late fees could have been included in the bk, if i only knew that too.

