Reaffirmation ?

[OnlyBrokeOnce]

Enhanced disclosures. For debtors who sign agreements with creditors to continue paying back debt during and after bankruptcy, known as reaffirmation, the law specifies that these consumers must be fully informed of their rights and the exact terms of these agreements. Consumers have the right to change their minds within a certain period and receive documents stating the date payments are to begin, as well as the interest rate to be paid.

I pulled this from a website article - bankrate .com. So let's say I reaffirm my mortgage and car payments. They can charge me a higher rate than the original contract?

[bkfiler]

a reaffirmation is supposed to be at the same rates, terms, etc. you are re-affirming what you already signed before.

if they change anything then its signed up for new debt so to speak.

can they do it? *shrugs* i guess if you sign it they can.

will the judge do anything about it? *shrugs* i have no idea on that one.