The Kentucky Order on Reaffirmation Agreement (Alt.) is a state law that establishes a procedure for creditors and debtors to enter into a reaffirmation agreement in which the debtor agrees to remain liable for a debt that would otherwise be discharged in a bankruptcy proceeding. This law applies to all types of consumer debt, such as credit card debt, medical debt, and other unsecured debt. The Kentucky Order on Reaffirmation Agreement (Alt.) outlines the requirements to enter into a reaffirmation agreement, including the need for the debtor to receive independent legal advice from an attorney before signing the agreement. Additionally, the law states that creditors must provide a written copy of the agreement to the debtor and the debtor's attorney prior to signing the agreement. There are two types of Kentucky Order on Reaffirmation Agreement (Alt.): the Open-End Reaffirmation Agreement and the Closed-End Reaffirmation Agreement. The Open-End Reaffirmation Agreement allows the debtor to continue to make payments on the debt after the bankruptcy has been discharged, while the Closed-End Reaffirmation Agreement requires the debtor to pay off the entire debt in a lump sum.