You have absolutely nothing to be worried about, filing that you intend to reaffirm is just that - that was your intention when you filed, but you're free to change your mind, even if you say you still intend to reaffirm at your 341 meeting. And as for "unless my mortgage company requires it" - no one can be required to reaffirm, not you, nor the mortgage company. Some creditors will even refuse to accept a reaffirmation agreement. That's fine, as long as you stay current on your payments there is absolutely nothing they can do.And your loan modification has nothning to do with anything with regards to BK.
When retaining my attorney I told him I wanted to reaffirm my mortgage. He arggued strongly against it. I told him I was going to reaffirm, and if he would not do that I'd find another attorney. So, we filed w/intent to reaffirm. The trustee asked at my 341 creditors meeting if I was going to reaffirm and I said "yes". And that was truthful, I assumed my attorney would take care of it. I was woefully uninformed on BK proceedings. I didn't know anything about that a reffirmation agreement was required to be signed by all parties and approved by the BK court until after my discharge when I called the bank to resume auto debit payments and they told me they had sent an agreement and had no response - not only did my attorney not forward it to me, he never even told me about it.
Four years later I'm still mad as I feel my attorney mislead me. I even filed a complaint with the state bar; he's now listed as "retired". But, 4 years later I'm still paying on that not reaffirmed mortgage and have to admit I'm probably better off in being protected in the highly unlikely event I ever fall behind in the payments.
