Need Loan Modification with Aurora

[SadDebbie]

Hello all. You people are such a blessing. Here is my situation, I filed for bankruptcy seven and my bankruptcy was discharged already. I let one house go in my bankruptcy but I am still paying on and living in my other house. My spouse did not file for bankruptcy and she is on the mortgage and the deed of the house we are currently living in and currently paying on. I think technically my debt on the mortgage that we are living in and paying on was discharged in my bankruptcy seven filing as I did not sign any re-affirmation agreement nor was asked to sign one.

 

My mortgage company is Aurora and I have 2 loans with them. It's a 80 / 20

My blended rate is over 8 percent and I really need to get my rate down to 6'ish

I requested and received from them a loan mod package for both loans.

Is there any advice you can give me when me and my spouse fill out this paperwork?

Thank you all and Merry Christmas.