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Southern District of Florida. Attorney never told me that I had to file a reaffirmation agreement prior to discharge if I wanted to reaffirm the mortgage (I have to in order to refinance as part of a divorce agreement), if I have to reopen to file a affirmation agreement will my discharge date now be moved forward? I noted on my filing that I intended to reaffirm, I thought that is all that was needed. My attorney never told me otherwise. That would be bad as I am nearing the two years where I will qualify for FHA refinancing.
That is not the main crux of my question. Would reopening the case to file the reaffirmation agreement change the date of my bankruptcy discharge... I don't want to refinance with the same lender, and a new FHA lender requires two years from the date of discharge to qualify.