Like you said every situation is different. Similar situation, we filed because of Business Debt which led to CC debt. We filed in 1/2012 and reaffirmed our mortgage. We are not underwater and have not missed a payment. It has helped our scores and we never considered walking away from our home and that is why we kept the mortgage. Our mortgage reports every month with the past history stating that we reaffirmed our debt.
Starting Score: TU 477 EQ 533 BK 1/27/2012