lizjimbo

Our Chapter 7 was discharged about 3 months ago. Our mortgage with Wells Fargo was included and we did not reaffirm the debt. We are obviously still paying the mortgage but the question is...our house is valued at close to only two thirds of what is owed on it. Does anyone have any experience with WF or others as to whether they would be willing to renegotiate the loan to a much lower interest rate in order to save the principal. Thanks.