Bankruptcy home discharged, can we walk away

hello, i'm hoping someone can please help. My husband and I filed Chapter 7 in 2007. During the bk we tried to pay our mortgage and the bank wouldn't accept payment. After the bk was discharged we tried to make payment again and it was denied again. We then found out that we didn't reaffirm our home, we had no idea we had to reaffirm, our bk lawyer never mentioned it at all.

We conacted the bank to find out why they didn't accept our payment and was told that because we didn't pay our mortgage during the bk, even though we tried and they denied payment, that we are responsible for late charges and the payments that they would't accept, total was 19,000 in fees and back payments. They agreed to add this amount to the back end of the loan. They sent us paperwork, we had to fill out a letter of hardship, we signed and have been paying ever since.

We now find ourselfs in a situation that we can no longer afford the mortgage, my husband lost his job and my hours were reduced. Question is, can we walk away from the home without any repercussions? The home was discharged, do we even have a loan anymore? It doesn't report on our credit. If we do leave the home and the bank forecloses would the forclosure go on our credit if the home is discharged. We are so confused...