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Bankruptcy Law/Re-affirmation
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Question
My wife and I have just filed chapter 7, can we re-affirm our mortgage and two cars on our own without the use of an attorney? If so, what must we do?
Ivan,
Yes, it certainly is.
You will need to fill out reaffirmation agreements (usually this is form 240A) and get them approved by the court.
Unfortunately, I cannot give you a comprehensive guide to reaffirmation agreements here. But I can assure you that you can do this!
I do suggest is that you look at nolo.com (NO AFFILIATION but I do believe in their product) and you purchase their How to File Chapter 7 book.
In this book you will find a sample reaffirmation agreement. They have to be filed 60 days after your 341 meeting.
I hope this helps point you in the right direction.
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Answers by Expert:
Robert Vitt
Expertise
I am able to answer general questions regarding Chapter 7 and Chapter 13 bankruptcy cases. I have particular experience in personal (i.e., non-business) bankruptcies. I am unable to answer any questions pertaining to Chapter 11 bankruptcies.
Experience
www.bankruptcy-ie.com
I am admitted to practice in the Central District of California and currently run my own law firm which specializes in bankruptcy.
Organizations
San Bernardino County Bar Association, California State Bar
Education/Credentials
Bachelor of Arts, Philosophy
Master of Business Administration
Juris Doctor
Master of Arts, Philosophy
Past/Present Clients
I have had a variety of clients throughout my career. However, my immediate past clients have been predominantly individuals filing for debt discharge under Chapter 7.
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