The Virginia Summary of Reaffirmation Agreement and Declaration is a document that is used to reaffirm a debt that has been previously discharged in bankruptcy. This document serves to reinstate the original debt, allowing the debtor to legally bind themselves to the original terms of the debt. The document is typically used when a debtor wishes to keep collateral that was part of the original debt, such as a home or car. There are two types of Virginia Summary of Reaffirmation Agreement and Declaration: voluntary and non-voluntary. A voluntary agreement is one that the debtor and the creditor both agree to, while a non-voluntary agreement is one where only the creditor is in agreement. In either case, the debtor must sign the document and have it notarized in order for it to be valid. The Virginia Summary of Reaffirmation Agreement and Declaration includes information such as the names of the debtor and creditor, the amount of the debt, the date of the original agreement, and the date of the reaffirmation agreement. It also states that the debtor is aware of all the terms and conditions of the original agreement and is legally bound to them. Furthermore, it states that the debtor is aware of their rights to revoke the agreement at any time, and that they are waiving those rights by signing the document.