we filed bankruptcy and through the advise of attorney we didn't reaffirm. The bankruptcy is discharged. We are struggling to make our payments and are trying to modify our fha loan through pnc. They are telling me that it most likely will be denied unless we reaffirm. To my knowledge since already discharged we cant go back and reaffirm. They said per fha guidines we must. I read mortgagee letter 2008-32 regarding the updates to loss mitigation in bankruptcy but not sure if it applies because we are discharged. any advise would be greatly appreciated.