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To keep a debt out of bankruptcy during a Chapter 7 filing while retaining an asset, you can sign a reaffirmation agreement. This agreement indicates your intention regarding secured debts, such as those for a car or home, which you wish to keep. If you do not sign the reaffirmation agreement, the debt will be discharged in the bankruptcy process. In the Northern District of Georgia, signing a reaffirmation agreement for your home is not necessary, as there are no repercussions like foreclosure if you choose not to sign. More details on reaffirmation agreements and their implications will be addressed in upcoming videos.
