re-affirmation

[felice]

should i do a re-affirmation on my daughters
orthodontic treatment?
she got braces in april and i have not been able to make the monthly payment so im like 3 months behind
but would like to continue to use this provider.
is it ok to re-affirm something like that?

[justbroke]

You wouldn't need to reaffirm this. The bankruptcy code actually says, and it is mentioned on most discharge orders, that a debtor is free to pay creditors should she choose to, but the debtor is not legally obligated to do so.

Simply put... let the debt discharge, and pay it off just as you normally intended. You don't need to reaffirm the debt in order to pay it back!

[felice]

thanks justbroke!
i just got back from filing my petition.
cross your fingers for me!
the clerk said that i had completed all the paperwork, and she commented on how some people have incomplete forms.
maybe i can get a little bit of sleep tonite.

[justbroke]

You should sleep now. It's all downhill from now!!!