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the following bltv program is brought to you by flaherty law please enjoy [Music] welcome to learn about law my name is kevin oflaherty from oflaherty law i hope you enjoyed this video if you need some help please feel free to give us a call at agreements in 630-324-6666-324-6666 7 bankruptcy so first off a reaffirmation agreement is a contract between the debtor thats usually the person filing for bankruptcy and the creditor usually the original lender on the property in question and that agreement states that the debtor wants to keep the property usually home or vehicle and pay the existing debt and future payments reaffirmation agreements are used in chapter 7 bankruptcy by those that want to keep property from being included in the assets that will be collected by the bankruptcy trustee and sold to cover the debtors debts normally in chapter 7 bankruptcy any assets that debtors have will be sold to satisfy the debts owed to the creditors in many cases a chapter 7 filer will be