My reaffirmation hearing was this week. There was a room full of other pro se filers waiting for their hearing as well.
First and foremost, all pro se filers should make SURE the ENTIRE contract for the loan you are reaffirming is attached to the reaffirmation agreement.
Many, many people were continued 2 months out (!!) for the financing company to forward the contract to the court so the judge could see if the "ipso facto" clause was in the contract.
Those who had the contract attached had no problems, provided they were not entering into the reaffirmation against their best interest. The judge DID deny a woman who had an $80,000 plus loan on an old trailer worth nothing. But most of us who had cars we needed to keep were approved. The judge plainly asked people, "Do you want me to approve it?" giving us all one last chance for her to disapprove. In a couple of cases, they should have taken the "out". But as the judge said, "I'm not your mother."
There was a lawyer there "pro-bono" who explained the process and reiterated to all of us what we were getting ourselves into. He had access to all of our files and was there to answer any questions.
All went smoothly. Next step (hopefully): Discharge!
First and foremost, all pro se filers should make SURE the ENTIRE contract for the loan you are reaffirming is attached to the reaffirmation agreement.
Many, many people were continued 2 months out (!!) for the financing company to forward the contract to the court so the judge could see if the "ipso facto" clause was in the contract.
Those who had the contract attached had no problems, provided they were not entering into the reaffirmation against their best interest. The judge DID deny a woman who had an $80,000 plus loan on an old trailer worth nothing. But most of us who had cars we needed to keep were approved. The judge plainly asked people, "Do you want me to approve it?" giving us all one last chance for her to disapprove. In a couple of cases, they should have taken the "out". But as the judge said, "I'm not your mother."
There was a lawyer there "pro-bono" who explained the process and reiterated to all of us what we were getting ourselves into. He had access to all of our files and was there to answer any questions.
All went smoothly. Next step (hopefully): Discharge!
Bankruptcy Wizard
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