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
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