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Reaffirmation Coversheet - Oregon

Reaffirmation Coversheet - Oregon 2026

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The document is a Reaffirmation Agreement Coversheet for debtors without an attorney, filed in the United States Bankruptcy Court for the District of Oregon. It outlines the necessary information and requirements for reaffirming a debt, including details about the creditor, payment terms, security description, and certifications by the debtor regarding the accuracy of the information provided. The document emphasizes that incomplete submissions will be returned and not considered by the court.

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Click ‘Get Form’ to open the Reaffirmation Coversheet in our editor.
Begin by entering the case number at the top of the form. This is essential for identifying your bankruptcy case.
Fill in the debtor(s) name(s) accurately, ensuring it matches the information on your bankruptcy filings.
Provide the creditor's name and address in the designated fields. Double-check for accuracy to avoid any delays.
Enter the proposed principal amount, monthly payment, and interest rate. These figures should reflect your new agreement terms.
Summarize the terms of your new agreement clearly, referencing any original default provisions attached.
Indicate if there is security involved and provide its present market value. If none, simply state that.
Complete your financial information by listing total monthly income and expenses as per Schedules I and J.
Certify your information by signing and printing your name, along with your relation to the case.
Finally, ensure all required documents are attached before submitting to avoid any deficiencies that could delay processing.

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Is a reaffirmation agreement necessary?

A reaffirmation agreement must be filed within 60 days after the first date set for the 341(a) meeting of creditors. The agreement must have a cover sheet prepared as prescribed by Form 427. At any time, the court may extend the time to file an agreement.

What is the purpose of a reaffirmation agreement?

A reaffirmation agreement is an agreement between a chapter 7 debtor and a creditor that the debtor will pay all or a portion of the money owed, even though the debtor has filed bankruptcy. In return, the creditor promises that, as long as payments are made, the creditor will not repossess or take back its collateral.

How long do you have to file a reaffirmation agreement?

Agreeing to repay the excess loan amount in accordance with the terms of the promissory note is called reaffirmation. You can reaffirm an excess loan amount by signing a reaffirmation agreement with your loan servicer.

Why would someone choose to reaffirm a debt?

Reaffirming a debt informs the lender that you intend to continue to pay the loan. Generally, the lender will continue to report the loan and all payments made on that loan to the credit reporting agencies, which may help improve your credit score after bankruptcy, provided timely payments are made on the loan.

Who needs reaffirmation?

If you can afford to keep the secured property and continue making payments, you may wish to sign a reaffirmation agreement, unless the creditor agrees otherwise. If you decide that you cannot afford to keep the property, you may return the property to the creditor.

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Is reaffirmation always a good idea?

In most cases, reaffirmation agreements are not only unnecessary but are a bad idea. There are some exceptions, most credit unions and Ford Motor Credit require reaffs, but most other car finance companies will allow you to keep your car without reaffirming as long as the payment is made in full and on time.

Reaffirmation Coversheet - Oregon 2026

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