Some lenders won't let you manage your account online without
a filed reaffirmation agreement.
They will tell you your lawyer messed up by not
filing the reaffirmation agreement (that's not true), and that you should reopen the bankruptcy case to have the reaffirmation agreement filed (that won't be allowed in most jurisdictions).
If you want to save your home even after filing chapter 7 bankruptcy, then you need to
file a reaffirmation agreement.
Here in Wisconsin, judges won't reopen just to
file a reaffirmation agreement.
In Georgia, you can only open a case to
file a Reaffirmation Agreement if the Agreement was executed prior to the discharge entry.
Not exact matches
And since
filing a bankruptcy case, or
filing to sign a
reaffirmation agreement following the
filing of a bankruptcy case is not grounds for a mortgage lender to start a foreclosure, the non-signing client really doesn't face the same risks that a non-signing client does with a car loan.
All
reaffirmation agreements must be signed by a bankruptcy court representative to be legal and binding if a debtor has
filed for bankruptcy.