please tell me this is not true

[saucey]

okay,finally called my lawyer about the whole reafffimation thing.he told me that i had to call that department.so she tells me that under the new laws that you have to reaffirm secured debts and it costs 250 dollars for each one!

[9877donna]

okay,finally called my lawyer about the whole reafffimation thing.he told me that i had to call that department.so she tells me that under the new laws that you have to reaffirm secured debts and it costs 250 dollars for each one!

Wow saucey I didn't know there was a fee to reaffirm a vehicle.Is it possible that this is your lawyers fee?
That seems like alot to me.
Donna

[SinkingFast]

Wow saucey I didn't know there was a fee to reaffirm a vehicle.Is it possible that this is your lawyers fee?
That seems like alot to me.
Donna

If it's the auto loan lender charging the $250 fee, I'd bet the Lender is wanting you to pay their legal fees associated with the Reaffirmations.

[saucey]

i think its my lawyers fees.i have to reaffirm my first and second mortgages and one car.i dont know what else to do.any suggestions anyone?i did call my bank with the first mortgage and they told me that they dont do the paperwork anymore that i have to go through my lawyer.it doesnt seem right to me.

[SinkingFast]

That's like a billable hour per Reaffirmation agreement.

If you filed Pro Se, it would be free.

You'd get the Forms from the Court, have your Lender sign and you sign, then file it with the Court.

Then the Judge and/or Trustee would have a "special" hearing with you to explain Reaffirmation, make sure you know what you're doing, that you weren't coerced, check your budget to be sure you can afford it, and you'd be good to go.

The attny should have told you about this charge up front when you were in the decision making process. I'd bet you mentioned you planned to reaffirm at the very least your mortgage during your Consult.

[saucey]

yeah ,looks like im getting screwed bigtime!when i first talked to my lawyer all he said was that i wasnt going to lose my house and car.never even mentioned anything about reaffirming.i only know about reaffirming because of this board.

[ConnieS]

I am so sorry about this Saucey. Our reaffirmations were included in the total fee we paid our lawyer. I have heards of firms charging for each reaff though. It really sucks!

[Interlaw]

i think its my lawyers fees.i have to reaffirm my first and second mortgages and one car.i dont know what else to do.any suggestions anyone?i did call my bank with the first mortgage and they told me that they dont do the paperwork anymore that i have to go through my lawyer.it doesnt seem right to me.

Mortgages don't have to be reaffirmed (and I almost never recommend reaffirmation of a second mortgage--there's too much possibility of future liability). Heck, I almost never recommend reaffirmation of a car, but Maryland doesn't allow for repossession solely for breach of the ipso facto clause (allowing a repo solely because you filed for bankruptcy).

Brett
[url]www.

[saucey]

I am so sorry about this Saucey. Our reaffirmations were included in the total fee we paid our lawyer. I have heards of firms charging for each reaff though. It really sucks!

hi conniesS!thanks so much!i really appreciate it!they are charging me 250 dollars for each one!can you believe that?it does suck!

[saucey]

[QUOTE=Interlaw;67850]Mortgages don't have to be reaffirmed (and I almost never recommend .

[9877donna]

hey interlaw!so is my lawyer full of it?he said with the new laws you have to reaffirm.

Saucey,I think if you keep making the payments on your Mortgage and Car there's no reason to reaffirm.Most mortgage companies and auto lenders don't require you to reaffirm just keep the payments up to date and you should be fine.
So sorry this is happening to you.
Donna