The court will notify you of the hearing on your reaffirmation agreement. If you were not represented by an attorney during the negotiation of your reaffirmation agreement, it will not be effective unless the court approves it. If you were represented by an attorney during the negotiation of your reaffirmation agreement, your reaffirmation agreement becomes effective upon filing with the court unless the reaffirmation is presumed to be an undue hardship as explained in Part D.

If a separate reaffirmation agreement (other than the one in Part B) has been signed, it must be attached. The original of this disclosure must be filed with the court by you or your creditor. If you were not represented by an attorney during the negotiation of your reaffirmation agreement, you must have completed and signed Part E. If you were represented by an attorney during the negotiation of your reaffirmation agreement, the attorney must have signed the certification in Part C. Complete and sign Part D and be sure you can afford to make the payments you are agreeing to make and have received a copy of the disclosure statement and a completed and signed reaffirmation agreement. Then, if you want to reaffirm, sign the reaffirmation agreement in Part B (or you may use a separate agreement you and your creditor agree on). Consider the decision to reaffirm carefully. Read the disclosures in this Part A carefully. If these steps are not completed, the reaffirmation agreement is not effective, even though you have signed it. The law requires you to take certain steps to make sure the decision is in your best interest. РІР‚СљReaffirming a debt is a serious financial decision.

Aa 1210 november 11 2015