do NOT reaffirm your mortgage, but do your car if you want to keep it. You can still keep paying your mortgage as directed but do NOT reaffirm it. Any bankruptcy attorney worth a damn will advice you of the same.
5/12- Equifax FICO -508 / TransUnion FICO -490 / Experian FAKO -550
Ch. 7 BK - 7/12 (discharge 10/12)
5/13 - EQ FICO 640 / TransUnion FICO - 624
CU Sec. - $500 / Cap 1 Sec. $200
