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I have filed Chapter 7. My house if worth 278K. My first is 400K. My second is 40K. I am current on the first, but stopped paying the second last month. I have a great hamp and intend to keep the house, but will not sign a reaffirmation agreement. What do I indicate on the statement of intention? I want to keep the car, but my lender won't negotiate (if at all) until after the bk. - Not signing a reaffirmation there either. What do I put on the statement of intention? Please help in AZ.