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when you file for a chapter 7 bankruptcy case unlike a chapter 13 bankruptcy case youre able to keep any secured debt that youre continuing to pay on and youre current for example a lot of my clients file chapter 7 bankruptcy and they include a car or a house they are current on that property its protected under the bankruptcy code and the exemptions but in order for them to continue going forward in receiving statements and have it reported to your credit bureaus you must sign whats called a reaffirmation agreement the reason that you sign this is because when you file the bankruptcy case the original contract is voided out therefore if you wanted to just walk away from the from the car or walk away from the house you could absolutely debt free but if youre going to take on the assumption of that debt and continue paying it in the future youre going to need to sign a reaffirmation agreement there are several places that you have to sign on this when you receive the copy from o
