My attorney forgot to send my reaffirmation papers in to my mortgage and vehicle loan companies. Now my bankruptcy is discharged and the companies will not accept the reaffirmation. What can I do?
1 Answer from Attorneys
You have several options. First, you can keep making payments and hope the creditors are OK with that (without a reaffirmation). There is some risk there, along with some benefit. Second, you can surrender the property and be done with it -- although that does not sound like what you want.
Third, you can seek to re-open the bankruptcy in order to file the reaffirmation agreements. Unfortunately, there will likely be a filing fee for the re-opening....
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