About This Site
A reaffirmation agreement is a legally binding contract between a debtor and a creditor that keeps a specific debt alive through bankruptcy. Under Section 524(c), when you reaffirm a debt, you agree to remain personally liable for it even after your discharge. This is most commonly used for car loans and sometimes mortgages.
This site will explain when reaffirmation makes sense, when it does not, and what the legal requirements are. We will cover the court approval process, the presumption of undue hardship, the 60-day rescission period, and what happens if you sign a reaffirmation agreement and later cannot make the payments.
Reaffirmation is one of the most consequential decisions in a Chapter 7 case, and many debtors sign these agreements without fully understanding the implications. We will provide the information you need to make an informed choice about whether to reaffirm, redeem, or surrender secured property.
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Explore Reaffirmation Topics
Dive deeper into reaffirmation agreements and their risks: