I have read many threads here but I am very confused on what to do next. I have been trying for months to get a modification through HSBC. I was hoping to accomplish that and then file bankruptcy, unless my husbands job situation changed. We faced many, many issues with HSBC losing paperwork and other problems and finally had to go ahead and file bankruptcy--final on Friday 7/27/2012. Our number one priority has always been to save our home. We do not want to walk away. We would reaffirm, but we are behind on payments. HSBC has verbally offered a minimal reduction if we reaffirm. We are scared and don't want to lose our home. In order for us to honor the reaffirmation, we need our account to be changed to a current status and we would pick up the payments they offered. The problem is, how can we be sure they will follow through with making our account current if we sign the reaffirmation agreement? They say they won't modify unless we do, but we can't sign unless we know they will follow through.