Went thru BK last year. Low and behold, 10 mos after my discharge, the mortgage offers me a loan mod. What ramifications could there be if I sign? I didn't reaffirm the mortgage in any way during the bkMr. Walton hit my question on the head. Is it possible to RE-create liability post discharge where none exists now by entering into a loan mod on a discharged mortgage. They aren't asking me to reaffirm or anything. Just offering a Loan Mod to me.