How does BK effect mortgage rates?

[adviceplease]

I have an adjustable rate mortgage that re-adjusts every year in the end of Sept. The rate went down and will be lowering my house payment by about $100 a month starting August 1st.

Will the BK mess up the rate even though it is locked in from Oct 1, 09 to Oct 1, 2010?

Also, I am retaining the lawyer in 10 days I am assuming that I should put Oct payment amount down on the paperwork since we are actually filing in mid Oct?

Thanks!

[StartingOver08]

Your rate is determined by the formula in your note. You have already signed your note, the bank will follow the pre-determined formula.