B2400A (12/15) Page 3

C. If your answer to EITHER question A. or B. above is "No" complete 1. and 2. below.

1. Your present monthly income and expenses are:

a. Monthly income from all sources after payroll deductions $8,472.33
(take-home pay plus any other income)
b. Monthly expenses s 1b3S:SS

(including all reaffirmed debts except this one)

c. Amount available to pay this reaffirmed debt s_1Be.18
(subtract b. from a.)

d. Amount of monthly payment required for this reaffirmed debt $578.59

If the monthly payment on this reaffirmed debt (line d.) is greater than the amount you have available to
pay this reaffirmed debt (line c.), you must check the box at the top of page one that says "Presumption
of Undue Hardship." Otherwise, you must check the box at the top of page one that says "No
Presumption of Undue Hardship."

2. You believe that this reaffirmation agreement will not impose an undue hardship on you or your
dependents because:

Check one of the two statements below, if applicable:

¥ You can afford to make the payments on the reaffirmed debt because your monthly income is
greater than your monthly expenses even after you include in your expenses the monthly payments
on all debts you are reaffirming, including this one.

O You can afford to make the payments on the reaffirmed debt even though your monthly income is
less than your monthly expenses after you include in your expenses the monthly payments on all
debts you are reaffirming, including this one, because:

Use an additional page if needed for a full explanation.

D. If your answers to BOTH questions A. and B. above were "Yes," check the following statement, if
applicable:

O You believe this Reaffirmation Agreement is in your financial interest and you can afford to make
the payments on the reaffirmed debt.

Also, check the box at the top of page one that says "No Presumption of Undue Hardship."

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B2400A (12/15) Page 6

6.

When will this reaffirmation agreement be effective?
a. If you were represented by an attorney during the negotiation of your reaffirmation agreement

i. if the creditor is not a Credit Union, your reaffirmation agreement becomes effective upon
filing with the court unless the reaffirmation is presumed to be an undue hardship in which case
the agreement becomes effective only after the court approves it;

ii. if the creditor is a Credit Union, your reaffirmation agreement becomes effective when it is
filed with the court.

b. If you were not represented by an attorney during the negotiation of your reaffirmation
agreement, the reaffirmation agreement will not be effective unless the court approves it. To have
the court approve your agreement, you must file a motion. See Instruction 5, below. The court will
notify you and the creditor of the hearing on your reaffirmation agreement. You must attend this
hearing, at which time the judge will review your reaffirmation agreement. If the judge decides that
the reaffirmation agreement is in your best interest, the agreement will be approved and will become
effective. However, 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, you do not need to
file a motion or get court approval of your reaffirmation agreement.

What if you have questions about what a creditor can do? If you have questions about reaffirming a
debt or what the law requires, consult with the attorney who helped you negotiate this agreement. If you
do not have an attorney helping you, you may ask the judge to explain the effect of this agreement to you
at the hearing to approve the reaffirmation agreement. When this disclosure refers to what a creditor
"may" do, it is not giving any creditor permission to do anything. The word "may" is used to tell you
what might occur if the law permits the creditor to take the action.

B. INSTRUCTIONS

1

Review these Disclosures and carefully consider your decision to reaffirm. If you want to reaffirm,
review and complete the information contained in the Reaffirmation Agreement (Part I above). If your
case is a joint case, both spouses must sign the agreement if both are reaffirming the debt.

Complete the Debtor's Statement in Support of Reaffirmation Agreement (Part II above). Be sure that
you can afford to make the payments that you are agreeing to make and that you have received a copy of
the Disclosure Statement and a completed and signed Reaffirmation Agreement.

If you were represented by an attorney during the negotiation of your Reaffirmation Agreement, your
attorney must sign and date the Certification By Debtor's Attorney section (Part IV above).

You or your creditor must file with the court the original of this Reaffirmation Documents packet and a
completed Reaffirmation Agreement Cover Sheet (Official Bankruptcy Form 427).

If you are not represented by an attorney, you must also complete and file with the court a separate
document entitled "Motion for Court Approval of Reaffirmation Agreement" unless your reaffirmation
agreement is for a consumer debt secured by a lien on your real property, such as your home. You can
use Form B2400B to do this.

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B2400A (12/15) Page 2

D. Reaffirmation Agreement Repayment Terms (check and complete one):

H.

@ $__ 578.59 per month for 38 months starting on May 7, 2024

*On the maturity date, all outstanding amounts owed under this reaffirmation agreement shall be
immediately due and payable.

0 Describe repayment terms, including whether future payment amount(s) may be different from the initial

payment amount.

Describe the collateral, if any, securing the debt:

Description: 2019 Nissan Titan 4WD, VIN: IN6AA1EJ3KN535366

Current Market Value: $28,275.00

Did the debt that is being reaffirmed arise from the purchase of the collateral described above?
Yes. | What was the purchase price for the collateral? $48,602.03

O No. What was the amount of the original loan? $

Specify the changes made by this Reaffirmation Agreement to the most recent credit terms on the reaffirmed
debt and any related agreement:
Terms as of the Terms After

Date of Bankruptcy Reaffirmation

Balance Due $21,986.89 $21,986.89
(including fees and costs)

Annual Percentage Rate 0.0000% 0.0000%
Monthly Payment $578.59 $578.59

O Check this box if the creditor is agreeing to provide you with additional future credit in connection with
this Reaffirmation Agreement. Describe the credit limit, the Annual Percentage Rate that applies to
future credit and any other terms on future purchases and advances using such credit:

PART Il. DEBTOR'S STATEMENT IN SUPPORT OF REAFFIRMATION AGREEMENT

A.

Were you represented by an attorney during the course of negotiating this agreement?
Check one. ft Yes O No

Is the creditor a credit union?
Check one. O Yes & No

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B2400A (12/15) Page 4
PART II. CERTIFICATION BY DEBTOR(S) AND SIGNATURES OF PARTIES

1 (We) hereby certify that:
(): 1 (We) agree to reaffirm the debt described above.

(2). Before signing this Reaffirmation Agreement, I (we) read the terms disclosed in this
Reaffirmation Agreement (Part I) and the Disclosure Statement, Instructions and
Definitions included in Part V below;

(3). The Debtor's Statement in Support of Reaffirmation Agreement (Part II above) is true and

complete;

(4). Tam (We are) entering into this agreement voluntarily and am (are) fully informed of my
(our) rights and responsibilities; and

(5). I (We) have received a copy of this completed and signed Reaffirmation Documents
form.

Date _5~ Pa-d¢ Signature

Date ne if] { z AR Si Signature

Sabrina Doughty Husack
Reaffirmation Agreement Terms Accepted by Creditor:
(Creditor jissan Motor Acceptance Company ]14841 Dallas Parkway, Suite 350, Dallas, Texas 75254
\LLC fka Nissan Motor Acceptance Address
\Corporation |
Print Name |
Print Name of Representative si_Gatlyn Lindbergh 5/16/2024 *
Gatiyn Lindbergh Signature Date

PART IV. 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 debtors; (2)
this agreement does not impose an undue hardship on the debtors or any dependent of the debtors; and (3) 1 have
fully advised the debtors of the legal effect and consequences of this agreement and any default under this
agreement.

O A presumption of undue hardship has been established with respect to this agreement. In my opinion,
however, the debtors is(are) able to make the required payment.

Check box, if the presumption of undue hardship box is checkeg@n)pa: ‘and the creditor is not a Credi
Union. Z ZZ
Date_S|I fo Signature of Debtor's Attorney Z

&
Print Name of Debtor's Attorney vi KLE Rby
, re

4 4382-N-7833


B2400A (12/15) Page 7

C. DEFINITIONS

1.

"Amount Reaffirmed" means the total amount of debt that you are agreeing to pay (reaffirm) by
entering into this agreement. The total amount of debt includes any unpaid fees and costs arising on or
before the date you sign this agreement that you are agreeing to pay. Your credit agreement may obligate
you to pay additional amounts that arise after the date you sign this agreement. You should consult your
credit agreement to determine whether you are obligated to pay additional amounts that may arise after
the date of this agreement.

"Annual Percentage Rate" means the interest rate on a loan expressed under the rules required by
federal law. The annual percentage Rate (as opposed to the "stated interest rate") tells you the full cost of
your credit including many of the creditor's fees and charges. You will find the annual percentage rate
for your original agreement on the disclosure statement that was given to you when the loan papers were
signed or on the monthly statements sent to you for an open end credit account such as a credit card.

"Credit Union" means a financial institution as defined in 12 U.S.C. § 461(b)(1)(A)(iv). It is owned and
controlled by and provides financial services to its members and typically uses words like "Credit
Union" or initials like "C.U." or "F.C.U." in its name.

7 4382-N-7833


Fill in this information to identify the case:

Debtor 1 James Joseph Husack |

Debtor 2 Sabrina Doughty Husack |

(Spouse fe)

United States Bankruptcy Court forthe: __Northem District of Texas |
‘Siate)

Case number 24-31100

Official Form 427
Cover Sheet for Reaffirmation Agreement 12M15

Anyone who is party to a reaffirmation agreement may fill out and file this form. Fill it out completely, attach it to the reaffirmation agreement,
and file the documents within the time set under Bankruptcy Rule 4008.

Pare | Explain the Repayment Terms of the Reaffirmation Agreement

1. Who is the creditor? Nissan Motor Acceptance Company LLC fka Nissan Motor Acceptance Corporation
Name of the creditor

2. How much isthe debt? — On the date that the bankruptcy case is filed $. 21,986.89

To be paid under the reaffirmation agreement

S_____21,986.89

$578.59 per month for 38 months (if fixed interest rate)

3. Whatis the Annual Before the bankruptcy case was filed ______0.0000%
Percentage Rate (APR) j
of interest? (See Under the reaffirmation agreement 000% Fixed rate |
Bankruptcy Code O Adjustable rate |
§ 524(k)(3)(E).)

4. Does collateral secure 1 No |
the debt? BH Yes. Describe the collateral. 2019 Nissan Titan 4WD, VIN: 1NGAA1EJ3KN535366 |

Current market value $. 28,275.00

5. Does the creditor assert [] No

that the debt is Yes. Attach an explanation of the nature of the debt and the basis for contending that the debt is nondischargeable. |
nondischargeable? |

6. Using information from Income and expenses reported on Schedule | and J Income and expenses stated on the reaffirmation agreement
Schedule |: Your Income
(Official Form 1061) and

|
|
Schedule J: Your 6a. Combined monthly income from $ 8,472.33 Ge. Monthly income from all sources, $s 8,472.33 |
Expenses (Official Form line 12 of Schedule | after payroll deductions
1064), fill in the amounts. |
6b. Monthly expenses from line 2c of - 6f. Monthly expenses - - FAL
Schedule J $__8,264.14 s%2
6c, Monthly payments on all : 0.00 — 69-Monthly payments on all : 9.00
reaffirmed debts not listed on reaffirmed debts not included in $ |
‘Schedule J monthly expenses
1 |
6d. Scheduled net monthly income —$ 208.19 6h. Present net monthly income s 208-10 |
Subtract lines 6b and 6c from 6a. Subtract lines 6f and 6g from 6e. |
If the total is less than 0, put the If the total is less than 0, put the
number in brackets, number in brackets.
Official Form 427 Cover Sheet for Reaffirmation Agreement Page 1

4382-N-7833,


B2400A (12/15) Page 5

PART V. DISCLOSURE STATEMENT AND INSTRUCTIONS TO DEBTOR(S)

Before agreeing to reaffirm a debt, review the terms disclosed in the Reaffirmation Agreement (Part I
above) and these additional important disclosures and instructions.

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, detailed in Part B below, are not completed, the reaffirmation
agreement is not effective, even though you have signed it.

A. DISCLOSURE STATEMENT

1.

What are your obligations if you reaffirm a debt? A reaffirmed debt remains your personal legal
obligation. Your reaffirmed debt 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. Your obligations will be determined by the reaffirmation agreement, which may
have changed the terms of the original agreement. If you are reaffirming an open end credit agreement,
that agreement or applicable law may permit the creditor 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? 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 that you agree to make.

What if your creditor has a security interest or lien? 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. The property subject to a lien is often referred to as collateral. Even if you do not reaffirm
and your personal liability on the debt is discharged, your creditor may still have a right under the lien to
take the collateral if you do not pay or default on the debt. If the collateral is personal property that is
exempt 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 collateral, as
the parties agree or the court determines.

How soon do you need to enter into and file a reaffirmation agreement? If you decide to enter into a
reaffirmation agreement, you must do so before you receive your discharge. After you have entered into
a reaffirmation agreement and all parts of this Reaffirmation Documents package requiring signature,
have been signed, either you or the creditor should file it as soon as possible. The signed agreement must
be filed with the court no later than 60 days after the first date set for the meeting of creditors, so that the
court will have time to schedule a hearing to approve the agreement if approval is required. However, the
court may extend the time for filing, even after the 60-day period has ended.

Can you cancel the agreement? You may rescind (cancel) your reaffirmation agreement at any time
before the bankruptcy court enters your discharge, or during 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). Remember that you can rescind the agreement, even if the court approves it, as long as you
rescind within the time allowed.

5 4382-N-7833


Debtor 1 James Joseph Husack Case number (if known) 24-31100
First Name Wide Name Tast Name
7, Are the income amounts No
Gn lines a'and'¢e © Yes. — Explain why they are different and complete line 10.
different? d ‘

8. Are the expense amounts Yh No
on lines 6b and 6f Yes. Explain why they are different and complete line 10.
different?
9. Is the net monthly YE vo
income inline 6hless [J Yes. _A presumption of hardship arises (unless the creditor is a credit union).
than 0? Explain how the debtor will make monthly payments on the reaffirmed debt and pay other living expenses.
Complete line 10.
10. Debtor's certification | certify that each explanation on lines 7-9 is true and correct.
about lines 7-9
any answer on lines 7-9 * N\ be
is Yes, the debtor must Signature of Debtor 1 Signature of Debtor 2 (Spouse Only ina Joint Case)
sign here.
Ifall the answers on lines
7-9 are No, go to line 11.
11. Did an attorney represent No
the debtor in negotiating "YA Yes, Has the attorney executed a declaration or an affidavit to support the reaffirmation agreement? |

the reaffirmation
agreement?

O No
HL ves

Whoever fills out this form
must sign here.

x 1s) Gatlyn Lindbergh bd

5/16/2024

Signature

MM7DDTYYYY

Gatlyn Lindbergh

Printed Name

14841 Dallas Parkway, Suite 350

Dallas, Texas 75254

(972) 643-6600

(972) 643-6698

E-mail: consumer7 @nationalbankruptcy.com

Check one:

0 _ Debtor or Debtor's Attorney

1 Creditor or Creditor's Attorney
© Creditor's Authorized Agent

| certify that the attached agreement is a true and correct copy of the reaffirmation agreement between the parties identified on
this Cover Sheet for Reaffirmation Agreement.

Official Form 427
4382-N-7833

Cover Sheet for Reaffirmation Agreement

Page 2


B2400A (12/15)

Check One.

O Presumption of Undue Hardship

& No Presumption of Undue Hardship

See Debtor's Statement in Support of Reaffirmation,
Part II below, to determine which box to check. |

UNITED STATES BANKRUPTCY COURT
NORTHERN DISTRICT OF TEXAS

In Re: James Joseph Husack § Case No. 24-31100
Sabrina Doughty Husack § Chapter 7
Debtors §
§

REAFFIRMATION DOCUMENTS

Name of Creditor: Nissan Motor Acceptance Company LLC fka Nissan Motor Acceptance Corporation

O Cheek this box if Creditor is a Credit Union

PARTI. REAFFIRMATION AGREEMENT

Reaffirming a debt is a serious financial decision. Before entering into this Reaffirmation Agreement, you
must review the important disclosures, instructions, and definitions found in Part V of this form.

A. Brief description of the original agreement being reaffirmed: Motor Vehicle Lien
B. AMOUNT REAFFIRMED: $21,986.89

The Amount Reaffirmed is the entire amount that you are agreeing to pay. This may include unpaid principal,
interest, and fees and costs (if any) arising on or before 04/23/2024, which is the date of the Disclosure
Statement portion of this form (Part V).

See the definition of "Amount Reaffirmed" in Part V, Section C below.

C. The ANNUAL PERCENTAGE RATE applicable to the Amount Reaffirmed is 0.0000%.
See definition of "Annual Percentage Rate" in Part V, Section C below.
This is a (check one) & Fixed Rate O Variable Rate

If the loan has a variable rate, the future interest rate may increase or decrease from the Annual Percentage Rate
disclosed here.

1 4382-N-7833