I never thought we would have to file BK but after a horrible course of events in 2004, we are filing Ch. 7. We don't currently own a home but do have a car payment. We purchased the car in Feb 2002 and have always remained current on the loan. My atty says we need to reaffirm the car loan in order to keep car. Our current interest rate is only 3.5% ... when you reaffirm a loan does the bank ever request an increase in the interest rate or payment amounts?
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