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hi my name is Lorena Sadie I am the founder and Im the managing partner of Sadie Law Group I wanted to do this quick video about reaffirming mortgages at least here in the Northern District of Georgia um and your mortgage company your credit report all that good stuff so first of all um I probably get I would say on a monthly basis I will get three or four calls from an old client like I mean this is like a case a chapter 7 case is what Im speaking to um a chapter 7 case from like six years ago seven years ago and the client will call and theyll say oh yeah I talked to my mortgage company and and they said that you need I love it you need to do this you need to do that first of all bankruptcy law is different in literally every every every District in the country its a little bit different everywhere so yes its federal law but theres always a Nuance in regards to whatever District you file so the Northern District of Georgia does not look the same as the Northern District of Cal