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Debt Reaffirmation after bankruptcy - What does it mean?

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Robrt Guest	Posted: Tue May 01, 2012 1:52 pm    Post subject: Re finance the existing mortgage to obtain a lower int rate Like 0 Dislike 0 I filed 7 in 2008. I had reaffirmed my car loan and notified the Mortgage Company on rthe filing.. They never requested a reaffirmation and so there was never a reaffirmation on the mtg.. I was never late on any payments and I want to re-fi the property to get a lower interest rate.. I was told that in order to do this I need a reaffirmation agreement. I call the attorney that did the filing and asked him to do one. He said that you can't reaffirm a discharged debt. Now what do I do? Do I need to have the mtg company re write the mortgage before i can apply for a new loan?
jameshogg Joined: 20 Dec 2005 Posts: 10460 Location: Nevada 987.57 Dollars($)	Posted: Tue May 01, 2012 11:43 pm    Post subject: Like 0 Dislike 0 Hi Robrt, You should have reaffirmed the loan when you were in bankruptcy filing. As your bankruptcy filing has been discharged and your debt hasn't been reaffirmed, I don't think you will be able to get a refinance now. Thanks
sherri Guest	Posted: Tue May 15, 2012 3:58 pm    Post subject: how do I get a reaffirmation Like 0 Dislike 0 how do I get reaffirmation if the lawyer didn't have me sign anything but I am still paying my morgage and the bankruptcy is already final
smithsussane Joined: 18 Sep 2008 Posts: 10439 Location: Alaska 985.83 Dollars($)	Posted: Wed May 16, 2012 12:43 am    Post subject: Like 0 Dislike 0 Hi sherri! Welcome to forums! You can contact your bankruptcy attorney and ask him to provide you with the reaffirmation agreement. If the bankruptcy has been discharged, then you will have to re-open the bankruptcy filing and then reaffirm the mortgage. Feel free to ask if you've further queries. Sussane

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