Chapter 7 Bankruptcy Reaffirmation Agreements In Atlanta, Georgia

Reaffirmation agreements for Chapter 7 bankruptcy in Georgia are contracts that allow debtors to keep property that is attached to a loan. The most popular type of secured loan that requires a reaffirmation agreement is a car loan, but reaffirmation agreements can be signed to keep other items such as furniture, jewelry, or electronics.
In order to continue to make payments on property, a Chapter 7 bankruptcy filer must sign the reaffirmation agreement. A reaffirmation agreement outlines the terms of the car loan or other loan and re-obligates the debtor on the note, despite the bankruptcy filing. Thus, if a debtor chooses to sign the reaffirmation agreement, s/he must continue making timely payments to keep the car or other property and avoid defaulting on the loan and being subject to collections.

Chapter 7 Bankruptcy in Georgia

It is advisable for debtors who cannot afford high car payments or payments on other items to surrender their cars and property instead of signing a reaffirmation agreement that they cannot afford. When we receive reaffirmation agreements from a car or other creditor, we will send the reaffirmation agreement to our clients and advise them of the consequences of signing the agreement.


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