My mortgage was included in a Chapter 7 BK. I intended to reaffirm it, but it was overlooked by my attorney before the BK was discharged. There has been no activity reported on this account to the credit bureaus since filing the BK. I've been making payments on this mortgage for over two years since the BK was discharged. I've tried to reaffirm the mortgage after the BK was discharged. But, the lender wouldn't or couldn't do it. Should it be included in my list of creditors on credit applications? I don't legally owe the debt any longer. But, it is a monthly expense. The second mortgage had been reaffirmed and I just paid it off in July 2010. Am I legally required to report it.? I know there are some ethical gray areas in regard to this matter.
