Reaffirmation Agreement questions

[Jacey]

OK, so I filled out my reaffirmation for one of my cars, and it still makes me uneasy. It is a 2005, I owe $2,700, value is somewhere around $17,000, and it's in pretty good shape. So I fill out my papers just like schedules I & J stating negative cash flow every month, then I try to say why I can afford this. The math doesn't show that, and so I've said that I'll cut down on expenses where I can to eek out 9 more payments. We have to keep 2 cars because I'm on emergency standby for a hospital and my husband works. Anyway, this one I can sort of explain because the low balance remaining and short duration of the loan...what do I say when I reaffirm my other car that has 57/60 payments left? Granted, the payment is great ($245) and the car is a reasonable, logical newer car under warranty...but how do I explain away another car payment? Am I thinking too hard, or could they not approve this?

[OhioFiler]

Why would you reaffirm either car loan?

[Jacey]

I want to keep the cars and my attorney acts like this is the only way. The paperwork says that it must be completed and approved by the judge before discharge. I assume that means that the discharge will be held up if I don't?

[justbroke]

With such a low amount left on the note, it is highly unlikely that a lender would not allow a "ride through". I'd still fill out the reaffirmation and hopefully the judge denies it and disallows the lender lender to repossess.