We had a BK, Chapter 7, discharged 2/08. We have not missed a payment since but the Mortgage Payment is still well above 31% of our income. Probably closer to 60%. We were told we didn't qualify because we never "Re-Affirmed" the mortgages (1st and 2nd) with them? Is this true?? And, if so, how can you get them re-affirmed?