Should I file?

[keepsmiling]

Generally speaking, no. Many do a "stay and pay". Lots of info on this topic if you do a search- in fact, a whole thread on why reaffirming is a very very bad idea.....

[ValleYum]

I can afford to pay the mortgage. I am up to date on the payments. So when it comes to paying the credit cards or house Im gonna pay the house before any place else. My mortgage is lower then the cost of rent around my house. Can someone explain the details of reafirming a mortgage? Don't you have to do that in order to keep the house?

No, you don't have to reaffirm to keep your house!

Read here as to why most say you should NOT reaffirm your mortgage: http://www.bkforum.com/showthread.ph...-very-bad-idea.

Good luck to you!!