Do I Have to Reaffirm Any Debts?

No.  Reaffirmation is always optional.  It is not required by bankruptcy law or any other law.  If a creditor tries to pressure you to reaffirm, remember you can always say no.

Source: Your Legal Rights During and After Bankruptcy:  Making the Most of Your Bankruptcy Discharge Pamphlet, National Consumer Law Center, Boston, MA, www.nclc.org.

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  1. Do I Have to Reaffirm the Same Terms?
  2. Can I Change My Mind After I Reaffirm a Debt?
  3. Should I Reaffirm a Debt?
  4. Do I Have Other Options for Secured Debts Other than Reaffirmation?
  5. Do I Still Owe Secured Debts (Mortgages, Car Loans) After Bankruptcy?

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