Chase: Loan modification and reaffirmation after Chapter 7 bankrupty?

[Mike]

I have three mortgages with Chase; 2 for rental property, and 1 for my primary residence/home. My rental business took a turn for the worse and I was forced to file Chapter 7 bankrupty. I was discharged in November. I also lost my 2 rental properties to foreclosure and Chase has already reposessed them. I am current on my payments to Chase for my home; however, I had an ARM on this loan and the payment is going to go up in August. I am working on a loan modification with Chase. -Does anyone know if Chase will require me to reaffirm the loan?-Does entering into a loan modification agreement "automatically" reaffirm the loan?-If I am required to reaffirm the loan and later go into foreclosure, will I be liable for the loss? (I am unfamiliar with the foreclosure process outside of bankruptcy, so not sure if I am liable or not, or how they "collect" the loss from you.) Chase has been very vague on what a loan modification is. They keep telling me they can't tell me much until we "close" on the loan modification and the numbers are official. My BK laywer tells me that each bank is probably different in requiring a reaffirmation agreement.