Although you filed bankruptcy to cancel your debts, you have the option to sign a written agreement to “reaffirm” a debt.  If you choose to reaffirm, you agree to be legally obligated to pay the debt despite bankruptcy.  If you reaffirm, the debt is not canceled by bankruptcy.  If you fall behind on a reaffirmed debt, you can get collection calls, be sued, and possibly have your pay attached or other property taken.

Reaffirming a debt is a serious matter. You should never agree to a reaffirmation without a very good reason.

DISCLAIMER:  Information adapted from NCLC. Please remember that the law changes often. The summary explanations above are for general informational purposes only and are not intended as legal advice. No attorney-client relationship is created herein. Each situation is different and specific legal advice should be sought.