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I recently filed Ch. 7, but took care to place a stay on both my auto & home loans. I have never been late paying either of these loans, they are automatically deducted from my checking account each month.
My mortgagee filed a motion for me to sign a reaffirmation agreement. They also added their attorney fees to my mortgage (at 11.74%) My atty got the mortgagee's atty to agree to remove the fees from my mortgage if I signed the reaffirm. I received the reaffirm agreement & it was incorrect (much higher than what I owe). It was sent back to the bank's atty - after a month I received another 'incorrect' reaffirmation agreement (as I had made another loan pymt). While waiting for a correct version - my bankruptcy was officially discharged & more atty fees were added to my mortgage (a total of $2006.00) so far.
My atty now suggests I should 'eat' the fees & not sign the reaffirm. He says he has not spoke w/the bank's atty. I don't know if this is in my best interest & I am seeking a 2nd opinion. Please advise and thank you.