A discharge is a Court Order which prohibits most creditors who were listed in the discharge from collecting the debts. Most student loans Court fines and criminal restitution Personal injury caused by driving drunk or driving under the influence of drugs. A reaffirmation agreement is simply a negotiated repayment with your creditor. This is most common in Chapter 7 cases where a person has purchased a car and would like to keep it after the bankruptcy. Other people sometimes like to maintain a credit card so that they can begin to reestablish their credit.
Reaffirmation agreements are completely voluntary.
A creditor cannot harass or coerce you into entering into a reaffirmation agreement. Must be voluntary. Must not place a heavy burden on you or your family. Must be in your best interest. A reaffirmation agreement can be canceled anytime before the Court issues your discharge or within 60 days after the agreement is filed with the Court, whichever gives you the most time.