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So what if you want to keep a debt out of the bankruptcy in a chapter 7 and you dont want to get rid of that asset? What do you do? Well you can sign a reaffirmation agreement check out our next video for some more detail on how you do that and what the ramifications are so when you file a chapter 7 bankruptcy one of the forms that youre going to fill out on your petition is going to be a statement of intent and what this document is is its saying what you intend to do with certain debt secured debt so if you have a car or a home and youre wanting to keep those items you will sometimes have to sign a reaffirmation agreement in order to keep those now what is that if you dont sign this reaffirmation agreement then that debt is discharged in your bankruptcy now in our district were in the Northern District of Georgia it really doesnt matter if you sign one or not on your home you are not required to no ones going to come foreclose on your house because you didnt sign a reaffirma
