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It's not what we have in our lives, but who we have in our lives and the quality of those relationships. -
No, I think you have that correct. Just remember, if you do not reaffirm, it is more than likely that the creditor will stop reporting your payments to the credit agencies, so that will affect your credit after the bk.
But, if you have negative equity in the car, most lawyers do not recommend reaffirming.Filed Business Chapter 7: 7/11/07
341 Meeting: 8/8/07 Asset Case
US Trustee reviewed case/resolved 9/14/07
Discharged: 10/11/07 Closed: 11/2/08
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