What is a reaffirmation agreement and do I have to sign it?
A reaffirmation agreement is a new contract with a creditor that binds you to pay the debt. It must be signed and filed with the court. They are not required by bankruptcy law or by any other law and they must be voluntary; must not place too heavy a burden on you or your family; must be in your best interest; and can be canceled anytime before the court issues your discharge or within 60 days after the agreement is filed with the court, whichever gives you the most time.
