North District Reaffirmation Agreements

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Local Rule 4008-1 requires adherence to the Guidelines for Filing A Reaffirmation Agreement in the Southern District of New York and requires that all reaffirmation agreements must be filed with a completed Official Form 27 "Reaffirmation Cover Sheet".. Please Note: Security Agreements must be attached to all reaffirmation agreements filed with the Court.

In Chapter 7 bankruptcy, one way to keep the property is to reaffirm the debt. You and the lender will enter into a reaffirmation agreement and file it with the court. Generally, you can only reaffirm debt if your equity in the collateral is exempt.

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Reaffirmation Agreements. The Lawrenceville bankruptcy attorneys of Daniels & Taylor, P.C. explain what Reaffirmation Agreements are and when you should.

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Reaffirmation Agreements filed in pro se debtor cases (meaning the debtor is not represented by an attorney) will always be scheduled for a hearing to make sure the debtor understands what are the consequences of a reaffirmation agreement, that the agreement is voluntary, and to determine whether the debtor has the ability to maintain payments.

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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.

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8 | BANKRUPTCY: UNDERSTANDING REAFFIRMATION AGREEMENTS CITY BAR JUSTICE CENTER for the balance of the loan. If a debtor cannot pay the reaf- irmed debt, he or she must wait eight years after filing. the Guidelines for Filing a Reaffirmation Agreement in the South-ern District of New York.