Mortgage modification after discharge

[Scooter10]

I was discharged chp 7 on 4/08. I did NOT re-affirm my mortgage's.

If I complete a modification agreement with my lender today to lower my monthly payments will that constitute a reaffirmation and now I am liable for the loan?

[cursedbycc]

Hmmm, I really do not think so. It is post-discharge and almost by a year so I'm guessing it is just a normal refi....

[kimba251]

I don't think it would be called a reaffirm but I do think you would be liable for it. You are going to have to sign something legal for the new terms and I think that would be leaglly binding and supercede your bankruptcy. I would ck with your lawyer who handled your chap 7 just to be totally sure though, it could vary state to state.