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Reaffirmation agreement cover sheet

Massachusetts reaffirmation agreement 2025

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The document is a Reaffirmation Agreement used in the United States Bankruptcy Court, specifically in the District of Massachusetts. It outlines the terms under which a debtor agrees to reaffirm a debt despite filing for bankruptcy, thereby relinquishing the protections of bankruptcy discharge for that debt. The agreement details the total amount of debt, payment terms, and conditions under which the creditor can collect on the debt. It also includes provisions for rescinding the agreement and emphasizes that it is not legally binding unless filed with the court and approved if necessary.

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Click ‘Get Form’ to open the Massachusetts Reaffirmation Agreement in the editor.
Begin by entering the debtor’s name and bankruptcy case number at the top of the form. Ensure accuracy as this information is crucial for processing.
Fill in the creditor’s name and address. This identifies who you are reaffirming the debt with.
In the 'THE DEBT' section, specify the total amount of debt when the case was filed and the amount being reaffirmed. Include any accrued interest, attorney fees, and other costs related to this debt.
Complete payment details such as monthly payment amount, start date, and total number of payments. This helps clarify your repayment plan.
Review additional terms agreed upon by both parties, ensuring all conditions are clearly stated.
Finally, sign and date the agreement at the bottom. Make sure all necessary attachments are included before submission.

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What are the cons of reaffirmation?

This is part of the paperwork you file when you start your case. Youll also need to send a copy to your lender. After that, the lender usually prepares the reaffirmation agreement and sends it to you or your attorney if you have one.

Who prepares the reaffirmation agreement?

By entering into the reaffirmation agreement, you will be personally liable for the debt despite your bankruptcy relief. If you cannot make the payments, you will likely lose your property and inflict considerable damage to your credit and your ability to get loans in the future.

What are the requirements for a reaffirmation agreement?

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. (b) Supporting Statement .

What is the purpose of reaffirmation?

A reaffirmation agreement is a legally binding contract between a debtor and a creditor during a Chapter 7 bankruptcy proceeding. It allows the debtor to voluntarily commit to repaying a specific debt that would otherwise be discharged through the bankruptcy process.

What are the legal requirements of a reaffirmation agreement?

Cons Continued liability: Once you reaffirm a debt, you are legally obligated to continue making payments on it. Court scrutiny: Reaffirmation agreements require court approval. Financial risk: Reaffirming a debt can be risky if your financial situation is uncertain.