Hello. I live in Florida. When I filed my bankruptcy petition my statement of intention said I wanted to reaffirm my mortgage. I changed my mind and stopped making payments before my case was closed. I never signed a reaffirmation agreement for the mortgage. I am afraid that I am now liable for the mortgage because I did not change my statement of intention to surrrender the house. Even though my first statement of intention said I was reaffirming, am I really still liable if I never signed a reaffirmation agreement for the mortgage? I'm scared I am on the hook now. Thank you!