We missed 2 mortgage payments last year(July-August) - was placed in the Home Modification Program in September for ten months and then turned down for the program. We now owe 6,100 in back mortgage payments (amount due from 2 missed payments, reduced Home Modification Program payment, interest, late charges because we were making reduced payments) We haven't missed a payment since September 09. We are getting ready to file chapter 7. Should we reaffirm mortgage - do we have to catch up the back monies owed the mortgage company in order for BOA to reaffirm.