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Reaffirmation agreement cover sheet

Official form 427 2025

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The document is the Official Form 427, a Cover Sheet for Reaffirmation Agreement used in bankruptcy cases. It requires debtors to provide personal information, details about the creditor, the amount of debt, repayment terms, and income and expenses related to the reaffirmation agreement. The form also includes sections for certifying the accuracy of provided information and whether an attorney represented the debtor during negotiations.

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What is Form 427?

Official Form 427. Cover Sheet for Reaffirmation Agreement. 12/15. Anyone who is a party to a reaffirmation agreement may fill out and file this form. Fill it out completely, attach it to the reaffirmation agreement, and file the documents within the time set under Bankruptcy Rule 4008.

What is official form 423?

Official Form 423, which was used to document the completion of a required course on personal financial management, was discontinued effective December 1, 2024.

What are the benefits of reaffirmation?

Advantages of Reaffirmation Agreements Hang onto valuable assets that might otherwise be repossessed. Speed up the process of rebuilding your credit score, making you a better candidate for better borrowing terms in the near term. Maintain favorable relationships with creditors youve agreed to pay.

What happens if you reaffirm a debt then fail to pay it?

If you reaffirm a debt and then fail to pay it, you owe the debt the same as though there was no bankruptcy. The debt will not be discharged and the creditor can take action to recover any property on which it has a lien or mortgage.

What does affirmation of debt mean?

A debtor in a bankruptcy case may decide to remain legally obligated to pay a debt that would otherwise be discharged in bankruptcy. This is called reaffirming a debt. Reaffirming a debt is voluntary; debtors are not required to reaffirm any debt.

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.

What happens when you reaffirm a debt?

A reaffirmation agreement is a new contract between you and the creditor where you agree to pay a debt voluntarily that would have been discharged in your bankruptcy case. When you reaffirm a debt, you agree to be personally liable for paying it back.

Why might someone choose to reaffirm a particular debt?

When a person files for bankruptcy, they do so in order to be relieved of a debt burden they cannot pay. By entering into a reaffirmation agreement, a borrower often maintains possession of an asset held as collateral such as a home or a car, so long as they can fully repay the debt owed on that particular loan.

Official form 427 2025

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