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I would like to go through a HARP loan modification but 2 1/2 years ago did not reaffirm the loan in BK. I bought the property years ago with little down and the interest rate is way high because of this. I need to lower it. I'm told by Wells Fargo that I can't proceed and my BK lawyer says I can't reaffirm... too late. This doesn't seem right. Can I petition the court myself to reaffirm and then do the HARP? Caught in the middle here... help!