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people come they file bankruptcy because they cant afford to pay back the debt and theyre not interested in doing it however there is certain kinds of debts that you want to make sure that you can pay back you dont want to for instance lose your car well a car debt is something that gets listed in your bankruptcy petition but it doesnt mean that you lose your car and it doesnt even mean that you have to stop making payments if indeed you want to keep your car you have to continue to make payments theres a few different ways to do that in a chapter 13 where we try to reorganize a debt and pay it back in accordance with a plan well put in the plan how are you gonna make payments and that youre going to keep your car going forward but what I want to talk about today is reaffirm ation agreements most bankruptcies that file today are chapter 7 chapter 7 is a type of bankruptcy where they just looked at liquidate anything you have equity again in most cases you dont and they you ju