I filed bankruptcy in May 1, 2007. My lawyer supposedly reaffirmed my 1st and 2nd mortgage but it did not go through. The reaffirmations are recorded in my bankruptcy paperwork as being done. It did not get done and they want to blame me for giving them the wrong addresses to two of the biggest banks B.O.A. and Chase. They said it is my fault and I would have to pay them to reopen it to have it done. I sent a letter and then a certified letter to the main partner of the firm and he never replied. Through my bankruptcy, this firm kept losing my paperwork and I had to keep supplying them with copies and it even happened again at the hearing in front of the judge. I also spoke to the two banks and asked if they received the reaffirmation requests and they both said no. What are my options here and what should I do since this is not my fault. I kept paying on both mortgages and have never missed a payment but my credit reports remain that both mortgages are still bankrupt. My credit score remains at 672 and I am sure it would be over 700 by now if I had those 3 years of payments included. Thank you for your opinion on this matter.
Jun 222010