**EXHIBIT A TO SC LBR 4008-1**

  ----------------------- ----------------------- -----------------------
  **Agreement Filed       **Agreement Signed      **Presumption of Undue
  Within 60 days of 341   Within 45 days of 341   Hardship**
  Hearing**               Hearing**               

  **Agreement Not Filed   **Agreement Not Signed  **No Presumption of
  Within 60 days of 341   Within 45 days of 341   Undue Hardship** (Check
  Hearing**               Hearing**               Box as directed in Part
                                                  D: Debtor's Statement
                                                  in Support of
                                                  Reaffirmation
                                                  Agreement.)
  ----------------------- ----------------------- -----------------------

UNITED STATES BANKRUPTCY COURT

FOR THE DISTRICT OF SOUTH CAROLINA

+-----------------------------------+-----------------------------------+
| IN RE:                            | CASE NO:                          |
|                                   |                                   |
| DEBTOR(S)                         | CHAPTER:                          |
|                                   |                                   |
|                                   | # REAFFIRMATION AGREEMENT         |
+-----------------------------------+-----------------------------------+

\[*Indicate all documents included in this filing by checking each
applicable box*.\]

  ----------------------------------- -----------------------------------
  Part A: Disclosures, Instructions   Part D: Debtor\'s Statement in
  and\                                Support
       Notice to Debtor (Pages 1-5)   

  Part B: Reaffirmation Agreement     Part E: Motion for Court Approval\
                                      *\[File Part E only if debtor was
                                      not  represented by an attorney
                                      during the course of negotiating
                                      this approval\]\
                                      *

  Part C: Certification by Debtor\'s  Proposed Order Approving
  Attorney                            Reaffirmation
  ----------------------------------- -----------------------------------

**     \
     Name of Creditor:**
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

      \[*Check this box if*\] Creditor is a Credit Union as defined in
§ 19(b)(1)(a)(iv) Federal Reserve Act.

**PART A: DISCLOSURE STATEMENT, INSTRUCTIONS AND NOTICE TO DEBTOR**

**     1.      DISCLOSURE STATEMENT**

**     Before Agreeing to Reaffirm a Debt, Review These Important
Disclosures:**

**SUMMARY OF REAFFIRMATION AGREEMENT\
     **This Summary is made pursuant to the requirements of the
Bankruptcy Code.

**[AMOUNT REAFFIRMED]{.underline}**

The amount of debt you have agreed to reaffirm: \$
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

***The amount of debt you have agreed to reaffirm includes all fees and
costs (if any) that have accrued as of the date of this disclosure. 
Your credit agreement may obligate you to pay additional amounts which
may come due after the date of this disclosure.  Consult your credit
agreement.\
***

**[ANNUAL PERCENTAGE RATE\
]{.underline}**\[*The annual* percentage *rate can be disclosed in
different ways, depending on the type of debt*.\]

     a.  If the debt is an extension of \"credit\" under an \"open end
credit plan,\" as those terms are defined in § 103 of the Truth in
Lending Act, such as a credit card, the creditor may disclose the annual
percentage rate shown in (i) below or, to the extent this rate is not
readily available or not applicable, the simple interest rate shown in
(ii) below, or both.

\(i\) The Annual Percentage Rate disclosed, or that would have been
disclosed, to the debtor in the most recent periodic statement prior to
entering into the reaffirmation agreement described in Part B below or,
if no such periodic statement was given to the debtor during the prior
six months, the annual percentage rate as it would have been so
disclosed at the time of the disclosure statement: \_\_\_\_\_\_\_\_ %.

*\-\--And/Or\-\--*

\(ii\) The simple interest rate applicable to the amount reaffirmed as
of the date this disclosure statement is given to the debtor:
\_\_\_\_\_\_\_\_\_%.  If different simple reaffirmed, the amount of each
balance and the rate applicable to it are:

\$\_\_\_\_\_\_\_\_\_\_\_\_\_ @ \_\_\_\_\_\_\_\_\_\_\_\_\_%;\
\$\_\_\_\_\_\_\_\_\_\_\_\_\_ @ \_\_\_\_\_\_\_\_\_\_\_\_\_%;\
\$\_\_\_\_\_\_\_\_\_\_\_\_\_ @ \_\_\_\_\_\_\_\_\_\_\_\_\_%.

     b.  If the debt is an extension of credit other than under than an
open end credit plan, the creditor may disclose the annual percentage
rate shown in (i) below, or, to the extent this rate is not readily
available or not applicable, the simple interest rate shown in (ii)
below, or both.

\(i\) The Annual Percentage Rate under § 128(a)(4) of the Truth in
Lending Act, as disclosed to the debtor in the most recent disclosure
statement given to the debtor prior to entering into the reaffirmation
agreement with respect to the debt or, if no such disclosure statement
was given to the debtor, the annual percentage rate as it would have
been so disclosed:\_\_\_\_\_\_\_\_\_\_%

\-\--*And/Or\-\--*

\(ii\) The simple interest rate applicable to the amount reaffirmed as
of the date this disclosure statement is given to the debtor:
\_\_\_\_\_\_\_\_\_\_%.  If different simple interest rates apply to
different balances included in the amount reaffirmed, the amount of each
balance and the rate applicable to it are:

\$\_\_\_\_\_\_\_\_\_\_@\_\_\_\_\_\_\_\_\_\_\_%;\
\$\_\_\_\_\_\_\_\_\_\_@\_\_\_\_\_\_\_\_\_\_\_%;\
\$\_\_\_\_\_\_\_\_\_\_@\_\_\_\_\_\_\_\_\_\_\_%.

     c.  If the underlying debt transaction was disclosed as a variable
rate transaction on the most recent disclosure given under the Truth in
Lending Act:

> The interest rate on your loan may be a variable interest rate which
> changes from time to time, so that the annual percentage rate
> disclosed here may be higher or lower.

     d.  If the reaffirmed debt is secured by a security interest or
lien, which has not been waived or determined to be void by a final
order of the court, the following items or types of items of the
debtor\'s goods or property remain subject to such security interest or
lien in connection with the debt or debts being reaffirmed in the
reaffirmation agreement described in Part B.

[Item or Type of Item]{.underline}                    [Original Purchase
Price or Original Amount of Loan]{.underline}

*[Optional]{.underline}- At the election of the creditor, a repayment
schedule using one or a combination of the following may be provided:*

**[Repayment Schedule:]{.underline}**

Your first payment in the amount of \$[              ]{.underline} is
due on [              ]{.underline} (date), but the future payment
amount may be different.  Consult your reaffirmation agreement or credit
agreement, as applicable.

\-\--Or\-\--

Your payment schedule will be:[              ]{.underline} (number)
payments in the amount of \$[              ]{.underline} each, payable
(monthly, annually, weekly, etc.) on the [        ]{.underline}(day) of
each [          ]{.underline}(week, month, unless altered later by\
mutual agreement in writing.

\-\--Or\-\--

A reasonably specific description of the debtor\'s repayment obligations
to the extent known by the creditor or creditor\'s representative.

**     2.     INSTRUCTIONS AND NOTICE TO DEBTOR**

**     Reaffirming a debt is a serious financial decision**.  The law
requires you to take certain steps to make sure the decision is in your
best interest.  If these steps are not completed, the reaffirmation
agreement is not effective, even though you have signed it.

     1.  Read the disclosures in this Part A carefully.  Consider the
decision to reaffirm carefully.  Then, if you want to reaffirm, sign the
reaffirmation agreement in Part B (or you may use a separate agreement
you and your creditor agree on).

     2.  Complete and sign Part D and be sure you can afford to make the
payments you are agreeing to make and have received a copy of the
disclosure statement and a completed and signed reaffirmation agreement.

     3.  If you were represented by an attorney during the negotiation
of your reaffirmation agreement, the attorney must have signed the
certification in Part C.

     4.  If you were not represented by an attorney during the
negotiation of your reaffirmation agreement, you must have completed and
signed Part E.

     5.  The original of this disclosure must be filed with the court by
you or your creditor.  If a separate reaffirmation agreement (other than
the one in Part B) has been signed, it must be attached.

     6.  [If the creditor is not a Credit Union]{.underline} and you
were represented by an attorney during the negotiation of your
reaffirmation agreement, your reaffirmation agreement becomes effective
upon filing with the court unless the reaffirmation is presumed to be an
undue hardship as explained in Part D.  [If the creditor is a Credit
Union]{.underline} and you were represented by an attorney during the
negotiation of your reaffirmation agreement, your reaffirmation
agreement becomes effective upon filing with the court.

     7.  If you were not represented by an attorney during the
negotiation of your reaffirmation agreement, it will not be effective
unless the court approves it.  The court will notify you and the
creditor of the hearing on your reaffirmation agreement.  You must
attend this hearing in bankruptcy court where the judge will review your
reaffirmation agreement.  The bankruptcy court must approve your
reaffirmation agreement as consistent with your best interests, except
that no court approval is required if your reaffirmation agreement is
for a consumer debt secured by a mortgage, deed of trust, security deed,
or other lien on your real property, like your home.

**YOUR RIGHT TO RESCIND (CANCEL) YOUR REAFFIRMATION AGREEMENT**

     You may rescind (cancel) your reaffirmation agreement at any time
before the bankruptcy court enters a discharge order, or before the
expiration of the 60-day period that begins on the date your
reaffirmation agreement is filed with the court, whichever occurs later.
To rescind (cancel) your reaffirmation agreement, you must notify the
creditor that your reaffirmation agreement is rescinded (or canceled).

**Frequently Asked Questions:**

     [What are your obligations if you reaffirm the debt?]{.underline} 
A reaffirmed debt remains your personal legal obligation.  It is not
discharged in your bankruptcy case.  That means that if you default on
your reaffirmed debt after your bankruptcy case is over, your creditor
may be able to take your property or your wages.  Otherwise, your
obligations will be determined by the reaffirmation agreement which may
have changed the terms of the original agreement.  For example, if you
are reaffirming an open end credit agreement, the creditor may be
permitted by that agreement or applicable law to change the terms of
that agreement in the future under certain conditions.

     [Are you required to enter into a reaffirmation agreement by any
law?]{.underline}  No, you are not required to reaffirm a debt by any
law.  Only agree to reaffirm a debt if it is in your best interest.  Be
sure you can afford the payments you agree to make.

     [What if your creditor has a security interest or
lien?]{.underline}  Your bankruptcy discharge does not eliminate any
lien on your property.  A \"lien\" is often referred to as a security
interest, deed of trust, mortgage or security deed.  Even if you do not
reaffirm and your personal liability on the debt is discharged, because
of the lien your creditor may still have the right to take the security
property if you do not pay the debt or default on it.  If the lien is on
an item of personal property that is exempt under your State\'s law or
that the trustee has abandoned, you may be able to redeem the item
rather than reaffirm the debt.  To redeem, you make a single payment to
the creditor equal to the current value of the security property, as
agreed by the parties or determined by the court.

**NOTE: ** When this disclosure refers to what a creditor \"may\" do, it
does not use the word \"may\" to give the creditor specific permission. 
The word \"may\" is used to tell you what might occur if the law permits
the creditor to take the action.  If you have questions about
reaffirming a debt or what the law requires, consult with the attorney
who helped you negotiate this agreement reaffirming a debt.  If you
don\'t have an attorney helping you, the judge will explain the effect
of your reaffirming a debt when the hearing on the reaffirmation
agreement is held.

**PART B: REAFFIRMATION AGREEMENT.**

I (we) agree to reaffirm the debts arising under the credit agreement
described below.

1.  Brief description of credit agreement:

2.  Description of any changes to the credit agreement made as part of
this reaffirmation agreement:

[SIGNATURE(S):]{.underline}

[Borrower:]{.underline}                              [Accepted by
creditor:]{.underline}

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_               
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
(Print Name)                               (Printed Name of Creditor)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_               
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
(Signature)                               (Address of Creditor)

Date:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_               
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
                                    (Signature)

                                   
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
                                    (Printed Name and Title of
Individual\
                                    Signing for Creditor)

[Co-borrower]{.underline}, if also reaffirming these debts:

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_               
Date of creditor acceptance:\
(Print Name)\
                                        
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
(Signature)

Date: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

**PART C: CERTIFICATION BY DEBTOR\'S ATTORNEY (IF ANY)**

     \[*To be filed only if the attorney represented the debtor during
the course of negotiating this agreement\]*

     I hereby certify that (1) this agreement represents a fully
informed and voluntary agreement by the debtor; (2) this agreement does
not impose an undue hardship on the debtor or any dependant of the
debtor; and (3) I have fully advised the debtor of the legal effect and
consequences of this agreement and any default under this agreement.

      \[*Check box, if applicable and the creditor is not a Credit
Union.*\] A presumption of undue hardship has been established with
respect to this agreement.  In my opinion, however, the debtor is able
to make the required payment.

Printed Name of Debtor\'s Attorney:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Signature of Debtor\'s Attorney:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Date:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

**PART D: DEBTOR\'S STATEMENT IN SUPPORT OF REAFFIRMATION AGREEMENT**

*\[Read and complete numbered sections 1, 2 and 3, **[OR]{.underline}**,
if the creditor is a Credit Union and the debtor is represented by an
attorney, read section 4.  Sign the appropriate signature line(s) and
date your signature.  If you complete sections 1, 2, and
3 [and]{.underline} your income less monthly expenses does not leave
enough to make the payments under this reaffirmation agreement, check
the box at the top of page 1 indicating \"Presumption of Undue
Hardship.\" Otherwise, check the box at the top of page 1 indicating
\"No Presumption of Undue Hardship.\"\]*

     1.  I believe this reaffirmation agreement will not impose an undue
hardship on my dependants or me.  I can afford to make the payments on
the reaffirmed debt because my monthly income (take home pay plus any
other income received) is \$\_\_\_\_\_\_\_\_\_\_\_, and my actual
current monthly expenses including monthly payments on post-bankruptcy
debt and other reaffirmation agreements total
\$\_\_\_\_\_\_\_\_\_\_\_\_, leaving \$\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ to
make the required payments on this reaffirmed debt.

     I understand that if my income less my monthly expenses does not
leave enough to make the payments, this reaffirmation agreement is
presumed to be an undue hardship on me and must be reviewed by the
court.  However, this presumption may be overcome if I explain to the
satisfaction of the court how I can afford to make the payments here: \
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
**                  (Use an additional page if needed for a full
explanation.)**

    2. Check one of the below applicable paragraphs below and complete
as requested.

a\. \_\_\_\_ There **IS NOT** a difference between the total income and
expenses stated in Schedules I and J and the income and expenses stated
above in section 1 of this Part.

b\. \_\_\_\_ There **IS** a difference between the total income and
expenses stated in Schedules I and J and the income and expenses stated
above in section 1 of this Part.  The difference between the income and
expenses stated in Schedules I and J and the income and expenses stated
above in section 1 of this Part is due to the following:\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
**                  (Use an additional page if needed for a full
explanation.)**

     3.  I received a copy of the Reaffirmation Disclosure Statement in
Part A and a completed and signed reaffirmation agreement.

Signed: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
      (Debtor)\
      \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
      (Joint Debtor, if any)\
Date:      \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\-\--OR\-\--

     \[*If the creditor is a Credit Union and the debtor is represented
by an attorney*\]

     4.  I believe this reaffirmation agreement is in my financial
interest.  I can afford to make the payments on the reaffirmed debt.  I
received a copy of the Reaffirmation Disclosure Statement in Part A and
a completed and signed reaffirmation agreement.

Signed: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
      (Debtor)\
      \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
      (Joint Debtor, if any)\
Date:     \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

**PART E: MOTION FOR COURT APPROVAL**

\[*To be completed and filed only if the debtor is not represented by an
attorney during the course of negotiation this agreement.*\]

**[MOTION FOR COURT APPROVAL OF REAFFIRMATION AGREEMENT]{.underline}**

     I (we), the debtor(s), affirm the following to be true and correct:

     I am not represented by an attorney in connection with this
reaffirmation agreement.

     I believe this reaffirmation agreement is in my best interest based
on the income and expenses I have disclosed in my Statement in Support
of this reaffirmation agreement, and because (provide any additional
relevant reasons the court should consider):

     Therefore, I ask the court for an order approving this
reaffirmation agreement under the following provisions (check all
applicable boxes):

           11 U.S.C. § 524(c)(6) (debtor is not represented by an
attorney during the course of the                     negotiation of the
reaffirmation agreement)

           11 U.S.C. § 524(m) (presumption of undue hardship has arisen
because monthly expenses exceed monthly income)

Signed:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
      (Debtor)\
      \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
      (Joint Debtor, if any)\
Date:    
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

United States Bankruptcy Court\
District of South Carolina

 

In re
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_               
Case No. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
         Debtor                          Chapter
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

 

**ORDER ON REAFFIRMATION AGREEMENT**

 

     The
debtor(s)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(name(s) of
debtor(s)) has/have filed a motion for approval of the reaffirmation
agreement dated \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
(date of the agreement) made between the debtor(s)
and \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(name of
creditor).  The Court held the hearing required by 11 U.S.C. § 524(d) on
notice to the debtor(s) and the creditor on
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ (date of
hearing).

COURT ORDER: The court grants the debtor\'s motion under 11 U.S.C. §
524(c)(6)(A)\
and approves the reaffirmation agreement described above as not imposing
an\
undue hardship on the debtor(s) or a dependent of the debtor(s) and as
being in best interest of the debtor(s).

>                 The court grants the debtor\'s motion under 11 U.S.C.
> § 524(k)(8) and approves\
> the reaffirmation agreement described above.
>
>                 The court does not disapprove the reaffirmation
> agreement under 11 U.S.C. §\
> 524(m).
>
>                 The court disapproves the reaffirmation agreement
> under 11 U.S.C. § 524(m).
>
>                 The court does not approve the reaffirmation
> agreement.

                                          BY THE COURT

Date:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_                    
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\
United States Bankruptcy Judge