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Can you reaffirm unsecured debt?

Another type of debt you should never reaffirm is unsecured debts. An unsecured debt has no collateral that backs up the debt. A signature loan, a medical debt and credit card debt are examples of unsecured debts.

Does reaffirming help credit?

Reaffirming has no effect on credit score But, it turns out, reaffirming a car loan after a Chapter 7 bankruptcy has little or no effect on the debtors post bankruptcy credit score. That was the conclusion of the judge in Anzaldo ( 612 B.R. 205 (Bankr.

Can a debtor reaffirm an unsecured debt?

Technically, reaffirmation is possible for both secured and unsecured debts. However, because unsecured debts are either discharged in bankruptcy or survive in their original form after the bankruptcy, there is usually very little reason for the debtor to reaffirm an unsecured debt.

Why would someone choose to reaffirm a debt?

Reaffirming a debt allows you to keep the property securing the debt, which can be a real advantage in some cases. It also allows you to avoid having to come up with a lump-sum payment to keep the property.

Does a creditor have to accept a reaffirmation agreement?

If you want to file a reaffirmation agreement, you need to do so within 60 days of the first date of the meeting of creditors. Once you submit it, it must be accepted by the creditor.

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