Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Hi - my name is XXXXX XXXXX I'm a Bankruptcy litigation attorney. Thanks for your question,
and I'm sorry for your dilemma.
Generally, it is the debtor's obligation to reaffirm a debt - - and NOT the lender's. This is so because the lender cannot force a debtor to reaffirm a debt; that's something only the debtor can do/choose to do.
Thus, it wasn't the lender's responsibility. It was likely your attorney's responsibility to inform you of the ability/opportunity to get the reaffirmation accomplished.