A reaffirmation is an agreement between the debtor and the secured creditor that the creditor will not exercise the creditor's right to take back the asset so long as the debtor makes payments. Common examples of debts that are reaffirmed are cars, houses, furniture and jewelry store accounts and Sears. After the creditors meeting is conducted, and the trustee files a no-asset report, a discharge is entered. The discharge is the final paper signed by the judge and acts as a permanent injunction from creditors attempting to collect discharged debts from you in the future. Certain items are non-dischargeable and thus unaffected by the bankruptcy.
Creditors can ask the court to deny an individual debtor a discharge.
The grounds for denial of discharge are extremely narrow and requests for denial are rarely granted.