Were You Offered Debt Reaffirmation After Bankruptcy?

We're looking for consumers who were offered debt reaffirmation after their bankruptcy filings to talk with a reporter. If you are interested, please email us right away.

Debt reaffirmation is the process of assuming responsibility for debts that were included in your bankruptcy filing. Creditors and debt collectors sometimes contact post-bankruptcy consumers offering debt reaffirmation as a way to rebuild their credit.

For example: you might be contacted about repaying a $5,000 balance you had on a credit card that was closed when you went into bankruptcy.

Comments

[Tom Bates, CDA]

In the event your contected by a creditor demanding you repay a debt discharged in bankruptcy,a consumer shoudl contact the Federal court house they filed in "through their attorney". In Most cases if the consumer pays the debt after it has been discharged, they could be faced with criminal and cival actions. In addition to the case being reopened.

Words of wisdom here, Before talking to anybody the consumer should take good notes on the deband and call their attorney.

[DianeT]

The debtor is not going to be faced with criminal charges for paying on a discharged debt. There is nothing in the Bankruptcy law saying any such thing. However, it does say that a debtor can VOLUNTARILY repay a discharged debt.

Once a debt is discharged, there can be NO reaffirmations. Reaffirmation agreements in bankruptcy must be filed and approved by the debtor's attorney and the court and that MUST happen before discharge. After discharge it's too late.

The collector/creditor trying to collect on a discharged debt IS violating the law and the debtor should certainly seek the advice of his/her attorney if it happens.