I live in NY. I had a [url=http://www.mortgagefit.com/bankruptcy/chapter7.html]Chapter 7 bankruptcy[/url]. I have been paying and never late on my mortgage payments and want to reaffirm with them. I called chase (my mortgage lender) and they said I cannot reaffirm. I don't believe them. There has to be a way to do this. Also, the bankruptcy lawyer that i used before is not available anymore. Please help!