I filed bankruptcy a few years back and when I did my lawyer didn'treaffirm my mortgage. I never knew this until I tried to refinance. 
Things changed in my life and I could no longer afford XXXX amonth. I have asked over and over with my mortgage company tohelp me to just lower the payments. I do not want to loose my housebut I am now a month behind on my payments. With the mortgagenot being reaffirmed, none of my payments show on my credit. I'mnot trying to get out of paying I just need lower payments. 
