Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
There would be a re-affirmation agreement in the file if the debt was re-affirmed. However, it is possible to reaffirm even if there is no documentation if you can prove you've paid the note each month since entering bankruptcy and the lender has accepted it.
It is detrimental to me to figure before morning if I did or didn't reaffirm on this rental property facing foreclosure. All I have found online through the courts is a statement of intention, which states I will continue to make regular payments.
follow up question: Is this the re-affirmation page you were talking about or does it actually have to say those words.....if need be I can email it to you and pay your fee to look at it? It is one page
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).