Reaffirmation Agreement

[karma]

During our Ch 7 bankruptcy last year, we signed a reaffirmation agreement with our primary mortgage holder. We were not represented by an attorney for the agreement, we filed the agreement with the court, but the court never actually approved the reaffirmation (never executed an order for it). My question is, is the reaffirmation valid? If we would let the house go into foreclosure could the bank come after us for any deficiency?

[BobMango]

My first thought is no. If you are not represented by an attorney then a judge must sign off on the reaffirmation. If that didn't happen you don't have a valid reaffirmation agreement.