Is reaffirming a debt the same in Ch. 7 vs. Ch. 13?
Do the terms of the loan get modified? If so, how? Will payments be reduced, or do they remain the same, or can they be increased?
If you owe more on a vehicle than it's value, you have always been current on payments, and your willing to continue making payments, are creditors generally willing to either reduce what you owe, or reduce the interest rate?
What about HELOCs? What happens if they are reaffirmed?
Please explain the reaffirmation process and what the pros and cons might be.