Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
To be valid, a re-affirmation agreement must be signed and filed with the court before the discharge is granted.
After discharge, it is no longer possible to execute a re-affirmation agreement.
Bankruptcy Stat. 524(c).
So any agreements made are voluntary, non court enforceable agreement between the two parties?
If the debt in question was discharged in a Bankruptcy, the debtor may voluntarily pay the debt, but an agreement - oral or written - to pay the debt cannot be enforced in any court.
So yes, any agreement to pay the debt would, of course, have to be voluntary, and it would be a non-court-enforceable agreement.
(So any such agreement would also basically be worthless.)