who is responsible for reaffirming your home after bankruptcy the attorney you hired or the mortgage company?

Well, the responsible party is usually the creditor, since reaffirmation agreements primarily benefit them.  It certainly wouldn't be your attorney's responsibility unless you contracted with him to represent you in the reaffirmation proceedings AND to prepare and file the reaffirmation agreement. More importantly, there is virtually no reason to ever reaffirm a mortgage.  The only slight benefit you would get from doing so would be that the future on-time payments might help your credit score somewhat.  On the other hand, it would obligate you for the full balance on the loan and turn what might have been a non-recourse loan into a recourse loan (meaning that if in the future they foreclose and there is still money owing to them after the foreclosure, you're liable for that and your bankruptcy discharge will not have eliminated that obligation).  In any event, your discharge has already entered so you cannot reaffirm your mortgage now. Mark J. Markus, Attorney at Law Handling exclusively bankruptcy law cases in California since 1991. http://www.bklaw.com/ bankruptcy blog: http://bklaw.com/bankruptcy-blog/ Follow Me on Twitter:  @bklawr