Should I accept a modificaton on an unaffirmed 1st mortgage?

Bought home in May 2005. Became disabled September 2005. Had to file for Chapt 7 in January 2008. Discharged in April 2008. Attorney had me reaffirm 2nd mortgage without having the 1st mortgage reaffirmed. Mortgagor would not reaffirm 1st mortgae after bankruptcy. Upside down in mortgage and applied for modification even though 2nd mortgage is nearly paid. Should I accept modification on mortgage is offered?  Will it reaffirm the 1st mortgage? Will it negatively impact my credit. Score is now between 650 and 675.

 Tags: 1st, accept, modificaton, mortgage, unaffirmed

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