The Missouri Reaffirmation Agreement for Cases Filed before October 17, 2005, is a legally binding contract between a debtor and a creditor. It allows the debtor to keep certain secured debts, such as a mortgage or car loan, even after filing for bankruptcy. By signing the agreement, the debtor agrees to remain responsible for the debt despite the discharge of other debts. The agreement also reaffirms any collateral that the creditor holds on the debt, such as a lien or a security interest. There are two types of Missouri Reaffirmation Agreement for Cases Filed before 10/17/2005: the Voluntary Reaffirmation Agreement and the Court Approved Reaffirmation Agreement. A Voluntary Reaffirmation Agreement is an agreement between the debtor and the creditor in which the debtor agrees to keep the secured debt and reaffirm the collateral, and the creditor agrees to accept payments and forgive any remaining balance on the debt. A Court Approved Reaffirmation Agreement is a contract between the debtor and the creditor that must be approved by the court in order to be valid. The agreement is reviewed by the court to ensure that it is not an undue burden on the debtor and that it is in the best interest of the debtor and the creditor.
Missouri Reaffirmation Agreement for Cases Filed before 10/17/2005
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