We filed for bankruptcy (Chapter 13) in Washington State. The bankruptcy was discharged in May 2011. Our attorney advised us to reaffirm several of our debts (including our mortgage, HELOC and timeshare). We later had another attorney tell us that advising us to reaffirm such debts could be considered malpractice. We're now in a position where we're having difficulty paying these debts (as our financial situation hasn't improved at all), but because we reaffirmed we seem to be stuck with them. Is there any course of action we can take outside of simply walking away and defaulting?