Reaffirmation agreement form 2025

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The document is a Reaffirmation Agreement filed in the United States Bankruptcy Court for the Northern District of Mississippi, where debtors and creditors agree on a dischargeable debt under Chapter 7 of the Bankruptcy Code. It outlines the terms of reaffirmation, including creditor details, security, payment amounts, and legal notices regarding the voluntary nature of the agreement and its potential rescission. An attorney's declaration confirms that the debtors were informed about the implications of this agreement.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What happens if mortgage is not reaffirmed but still paying?

As long as the bank is willing to accept payments and you abide by the terms of your already existing loan, you should be able to keep the house and maintain payments to satisfy the mortgage but you will not likely be able to modify or refinance without having reaffirmed the debt.

Who signs a reaffirmation agreement?

A contractual agreement to repay such a debt is called a reaffirmation agreement and is entered into between the debtor and a specific creditor. Reaffirmation agreements are strictly voluntary. They are not required by the Bankruptcy Code or other state or federal law.

What is a reaffirmation agreement form?

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.

What are the requirements for a reaffirmation agreement?

Reaffirmation agreements require court approval to make sure the debtor can reasonably afford to continue making the payments. If the debtor has an attorney, the attorney must confirm that the agreement is in the debtors best interest and wont cause undue financial hardship.

What is the legal definition of reaffirmation?

What Is Reaffirmation? Reaffirmation is a type of agreement a debtor makes with a lender to repay some or all of a debt despite going through bankruptcy proceedings. When a person files for bankruptcy, they do so in order to be relieved of a debt burden they cannot pay.