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Reaffirmation agreement form

Agreement reaffirmation form 2025

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The document is a Reaffirmation Agreement form used in U.S. Bankruptcy Court, detailing the process and requirements for a debtor to reaffirm a debt after filing for bankruptcy. It includes sections for disclosures, instructions, and statements regarding the debtor's financial situation, as well as options for court approval if the debtor is not represented by an attorney. The form emphasizes the importance of understanding the implications of reaffirming a debt, including potential hardships and obligations.

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Click ‘Get Form’ to open the agreement reaffirmation form in the editor.
Begin by reviewing Part A, which includes important disclosures and instructions. Ensure you understand the implications of reaffirming your debt.
In Part B, provide a brief description of the credit agreement and any changes made as part of this reaffirmation. Sign where indicated.
If applicable, complete Part C for attorney certification, ensuring your attorney has signed it if you were represented during negotiations.
Fill out Part D by indicating your financial situation. Confirm that you can afford the payments and sign accordingly.
If not represented by an attorney, complete Part E to request court approval for your reaffirmation agreement.

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Versions	Form popularity	Fillable & printable
2011	4.9 Satisfied (44 Votes)
2010	4.2 Satisfied (54 Votes)

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What is an example of reaffirmation?

An example of a reaffirmation agreement might be the debtors agreement to continue making payments on an auto loan after the bankruptcy discharge in return for keeping a car that would otherwise be subject to repossession.

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 purpose of a reaffirmation agreement?

A debtor may enter into a reaffirmation agreement in order to take a debt owed on an automobile (for example) and agree to remove that debt from being dischargeable. This is the case for many debtors who want to desire to keep their vehicle even though money is still owed on the car loan.

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.

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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 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.