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good afternoon this is Roger guide chapter 7 attorneys calm I wanted to talk this afternoon about a topic matter that often comes up with clients and that is the reaffirmation agreements and what they are a reaffirmation agreement relates to secured property that is for example property that the creditor can take back in case you dont pay them for example furniture if youre still paying on furniture or a vehicle or home things of that nature it could be a motorcycle could be a boat could be something like that but a reaffirmation agreement within the context of bankruptcy law is really a its a new contract and if you do have secured property that you are trying to keep in a bankruptcy case youre going to have to sign a reaffirmation agreement with the credit or in order to be able to keep that and the in the next step is after it has been signed is that that agreement then is filed with the bankruptcy court its part of the permanent bankruptcy record of your bankruptcy case and th
