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How to Reaffirm a Debt in Bankruptcy

Unless otherwise indicated, all debts, including vehicle and home loans are personally discharged in a bankruptcy. However, creditors maintain security interests in property. A Reaffirmation is a promise to repay a debt which would otherwise be discharged in your bankruptcy case

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The US Courts website has Reaffirmation forms available on their website, but check with your lender and attorney before using them. If you have an attorney, please contact them regarding the legal ramifications of signing a reaffirmation agreement, as you may not want to be liable on these loans again.

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