The Reaffirmation agreements are rolling in....

[footballfan]

I did not file pro se, although it sometimes feels like it. Actuallly I emailed my attny because I thought it strange that they didn't ask for anything in particular, only to pay the balance on those cards.

He suggested not reaffirming (let them come get it), although keep paying on the car. As the paralegal pointed out, my attny charges extra for dealing with reaffirmation agreements (and I knew anything beyond the initial petition and 341 would be extra).

I've read enough on here to not reaffirm on anything, except maybe a car. So I feel confident in the decision not to. Yes, please come take that year old cat scratched dog bed of a sectional from my house....please.

But, do I need to contact these creditors and specifically tell them I'm not reaffirming, or do I just let it sit and expire? Also, if the creditor wants something back, do I need to go out of my way to let that happen, or do I make the rules about when, how, where, etc?

Thanks!

[justbroke]

I would not reaffirm anything (period). I might reaffirm a car "if" the lender requires it, and there are only two that I know of (Ford Motor Credit and most credit unions).

I would never reaffirm furniture or a TV. Tell them to come and get it. It is not worth it form them anyhow, and they really won't come for it.

Did you file pro se?

[footballfan]

Filed 12/31. Yesterday received the car reaff and today two reaffs, one from a furniture store, one from a big box electronics retailer.

For the two store cards, there wasn't anything that told me what would need to be surrendered. If you make multiple purchases on the card, how do you know what you'd have to surrender if you don't reaffirm?

Everything? What if you may have paid enough on the balance to cover some items?

I really don't plan on reaffirming on furniture. My husband might feel differently about the TV...

Appreciate your take on this!