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My house is in preforeclosure. 1st and 2nd mortgages discharged in chap. 7 BK last year. Is it even worth the hassle of a short sale since I owe nothing to the bank? I know they say a short sale is better than a foreclosure on your credit report, but since I already have a BK listed, does it really make any difference? Ineligible for HAMP, but lender proposed their own modification with the three-month trial period. If I accepted that, is that like reaffirming the loan?