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Would refinancing my vehicle RIGHT BEFORE i file for bankruptcy (Cht 7) cause any issues since i intend to keep and reaffirm that debt? Is there a time period that must elapse after refinancing before i can file for bankruptcy for a debt that I want to reaffirm? Would that refinance completely remove the Security obligation under the cross-collaterization clause (between my 2 accounts) with my credit union that currently ties my car as security to a $9000 line of credit account (that i want to have discharged in a Chapter 7 BK)--otherwise both accounts would have to be reaffirmed if i wanted to keep my vehicle?