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It is the debtor's duty to indicate on the statement of intention whether the debtor plans to reaffirm or surrender. Once the debtor has indicated his intention, it is typically the bank that prepares the reaffirmation
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Thank You, XXXXX XXXXX have done that at the time of bankrupcy is that what I'm reading? Can this be done Now?
It cannot be done now. A reaffirmation must take place prior to discharge or not at all
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