Hello- I am in the same boat as Sweetjuly - I just found out that my mortgage was not reaffirmed after my BK 2.5 years ago,and now US Bank (original lender) will not refi me without the reaffirmation, nor will anyone else. US Bank says it was my attorney's responsibility to reaffirm, my attorney says it was US Banks responsibility. After reading (and learning so much!) on this forum, I'm not sure I really want to reaffirm now, but I desperately need to refinance in order to free up some much needed cash. I'm not behind on my mortgage payments and have never made a late payment but I don't quality for HAMP/HARP. Do I have any other options? I don't know enough about this process yet and don't feel like I've exhausted all efforts; I just don't know where to go next - any advice?