North District Reaffirmation Agreements

The Official Form 2400A must be attached. Supplemental documentation to the reaffirmation agreement may be attached. Amended Reaffirmation Agreements – Check the box indicating the Reaffirmation Agreement is amended. Rule 5005(a)(2) permits a court by local rule to permit the filing, signing, and verifying of documents electronically.

 · By signing a reaffirmation agreement, you are able to keep any property that you pledged as collateral for the loan by agreeing to repay the debt even though you’ve filed bankruptcy. You’re under no obligation to reaffirm any debts, and you should consult with your bankruptcy attorney before signing any reaffirmation agreements.

A reaffirmation agreement is an agreement by a chapter 7 debtor to continue paying a dischargeable debt (such as an auto loan) after the bankruptcy, usually for the purpose of keeping collateral (i.e. the car) that would otherwise be subject to repossession.

The WDNC Bankruptcy Court requires an Attorney ECF login or an ECF Limited Login/Password to file the items listed below with the exception of the Proof of Claim. Access the link below for further instructions. Access the Registration link to request a login. Effective June 17, 2019 all creditor filings, with the exception of Proof of Claims, will require a Limited Login to the CM/ECF system.

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Reaffirming A Car Loan In some circumstances, a debtor may wish to become legally obligated to pay all or some of a debt that could otherwise be discharged. 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.

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A reaffirmation agreement must be filed on (Form B2400) and be accompanied by a Reaffirmation Agreement Cover Sheet (Form B427). If the reaffirming debtor is represented by an attorney, and the agreement complies with 11 United States Code 524(c), no hearing for approval of such an agreement is generally necessary.