A debtor may promise to pay a debt discharged in bankruptcy by executing:

Question

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A reaffirmation agreement is a legal contract between a debtor and a creditor who has the right to collect a discharged debt. By signing the agreement, the debtor promises to repay the debt and waive any remaining rights to discharge it in bankruptcy. This allows the creditor to continue collection efforts and may help the debtor maintain possession of collateral, such as a car or house, that secures the debt.

A Debtor May Promise to Pay a Debt Discharged in Bankruptcy