The credit reporting system is widely misunderstood. It is voluntary. The law does not require any creditor to report payment history, only to report accurately if reporting at all. It has become common for mortgage companies to decline to report payments made after bankruptcy (thinking of it I guess, as some kind of punishment for the Debtor) but the right to report payments NOT made would not exist in light of the bankruptcy discharge. Your attorney was wise to counsel against reaffirming the mortgage. Your mortgagee was left with foreclosure as its only remedy.
And, by the way, regardless of who in your life has suggested that filing a bankruptcy makes you a "horrible person," you should be reassured that Congress has made bankruptcy available because there are times when a "fresh start" for one is in the best interests of all, and you have shown yourself entitled.
Best wishes for a successful fresh start, and please remember to designate a best answer.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.
I agree with Ms. Sinclair. In addition, the foreclosure itself could end up on a credit history once it is complete. Not only Congress, but the Founding Fathers thought it was important enough to put bankruptcy into the Constitution back in 1787.
Sounds like you have been talking to co-workers and so-called friends, not attorneys, because attorneys don't care if you are a bad person or not. Although your consumer credit report will not show the delinquent payments on the mortgage since the mortgage company stopped reporting after your bankruptcy, the foreclosure will show up one way or another should you decide you want to obtain another mortgage years down the road. If foreclosure is by judicial process in your state, it will show up as a public record and if foreclosure is by nonjudicial process, the foreclosure will not show up on your consumer report, but all prospective lenders will know about it. Moreover, if your mortgage is a federally insured loan, you may be put on a mortgage blacklist called Caivrs. A link to more information about this program is below. If you get on this blacklist, no matter what your consumer credit report looks like and no matter how high your credit score is, you won't be able to obtain another mortgage. Hope this perspective helps!