Please attempt to speak witour attorney personally. Reaffirmation Agreements are much like original car loans -- the debtor and the creditor have to agree to make the loan. The bankruptcy court cannot force the creditor to offer you a Reaffirmation Agreement. You can consider switching to a Chapter 13 bankruptcy if they do not offer you a Reaffirmation Agreement. That will allow you to keep the vehicle even though the car company does not offer you a Reaffirmation Agreement.