I have converted from a chapter 13 to a chapter 7. I have had my 341 3 weeks ago. Awaiting discharge from chapter 7. My Toyota Highlander is financed with Capital One. I was informed that a affirmation has been sent to my attorney's office. How exactly does this affirmation work? what happens if I do not sign the affirmation? Can I still keep the car? My credit is lousy, I do not think I could get anyone to finance a car at this time. what are my options. I have 103,000 miles on this car. public transportation is not a option. I must have a car.