I live in VA. My bankruptcy was discharged over 3 years ago (Dec, 2008). I have made my mortgage payments on time ever since the discharge. I recently discovered that I never reaffirmed the loan. I realized that my 3+ years of mortgage payments were not being reported on my credit report. Initially I considered reaffirming, but I realized that I may have an opportunity in front of me to get out of an upside down mortgage with an un-godly interest rate (6.75%). If I stop paying my mortgage now and walk away once the foreclosure process has concluded, will the post BK foreclosure show up on my credit report (the mortgage was included and discharged in the ch 7 bankruptcy)? How long does the F/C process usually take in VA? Did the payments made post BK reaffirm my mortgage in VA?