Hi rollercoaster,
We're in a similar situation in SoCal. Our chapter 7 was discharged in August of last year. We have been in constant contact with
CW and have been told that we could, indeed, "reaffirm" the mortgage and renegotiate terms. Our bk attorney agrees. Now, that being said,
CW has quit answering our calls, letters and e-mails. Probably because of the BOA acquisition. We decided to quit waiting for them and have recently gone through NACA. No word yet other than NACA is now working with
CW on our package. So, again, we're waiting. But short answer to your questions: yes. You can reaffirm the mortgage and work out a new agreement as long as
CW / NACA can work something out. Good luck and God bless!