Can I reopen my bankruptcy case to reaffirm my mortgage without the using an attorney?

Question Details: After becoming disabled, I filed for Chapter 7 bankruptcy protection about 2 1/2 years ago; it was discharged 2 years ago. I did not reaffirm my mortgage at my attorney's insistence. I now would like to refinance but am not able to since the debt was not reaffirmed. I have spoken with my bank and the only option is to reaffirm the debt. I have equity and now a steady income through SSDI. My current loan is at 6% and an equity line that is variable. Money is tight and a refinance would reduce my monthly outlay and consolidate both debts into 1 lower payment that will not change. Thank You

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