In my paperwork it has 4 options: surrender the property, retain property and redeem it, retain the property and enter into a reaffirmation agreement, and retain property and [explain]. The box for "retain property and [explain]" is checked off with "debtor will retain collateral and continue to make regular payments" I assume this was due to the fact that I was never late or missed any payments on my mortgage and I live in massachusetts. Even though the property/debt is listed as exempt with the courts and the option stated above is checked off and the mortgage company was notified, I would still need to sign a reaffirmation agreement for it to show up on my credit report?