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I am thinking about letting an attorney re-open a bankruptcy that was discharged in 2008 so I can reaffirm my loan and save my house from foreclosure. I have been trying to modify my existing mortgage for 2 plus years but just found out the bank has no intentions of ever permanently modifying us because the loan doesn't "exist" since its been included with the bankruptcy. I am wonder what the repercussions would be by doing this? We would like to keep the home but I want to make sure we are making the right decision financially as well. Trying to do the right thing.Correction: The attorney wants to file a new chapter 13 bankruptcy (I believe) and do a reaffirmation agreement.