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Details....had to file chapter 7 in June 2012 due to medical bills (alot of people seem to want to know why). Mortgage was included in bk as the lender did not send a reaffirmation agreement and my attorney advised strongly against signing any reaffirms. I've continued to pay the mortgage all through bk up til now, am current and haven't been late. The bank has not reported any of the payments since the filing and won't 'because the loan was discharged'. So my question is, if I stopped paying on the mortgage, would the bank report any negs(30/60/90). Ultimately they'd foreclose if I continued to not pay so would they report the foreclosure to the bureaus or are they not allowed to report that because the bk was discharged?