There is no longer an issue as to whether you should sign the reaffirmation agreement. Once a Chapter 7 debtor receives a discharge, he cannot enter into a reaffirmation agreement. Thus, even if you signed the reaffirmation agreement and file it with the court, the court will bounce it.
In many parts of the country, Chapter 7 debtors are not required to reaffirm a mortgage in order to be able to keep their house. In such areas, as long as you continue to make your regular mortage payments, the mortgage company cannot take any action against you simply because you previously filed for bankruptcy relief. You should discuss with your attorney what the law is in your jurisdiction.
Thus, the issue now is whether the mortgagee has assessed you fees which are unreasonable or improperly calculated. This is something else which you should review with your attorney or discuss directly with the mortgagee.
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