Reaffirm info -

[drowningNdebt]

and it all depends on the lender on how they handle ride throughs. best bet is to call the lender and speak to someone in their BK department. That's how I got my questions answered. Infact, I can even set up for auto pay, recieve paper statements, etc. You have to inform the lender you want to keep it. There is a law where the lender can;t contact you in regards to the debt when in BK or after.