Answered on Oct 08th, 2014 at 4:21 PM
If the court approved the reaffirmation, then the reaffirmation was legal. It would certainly be in your best interest to find out if the court approved the reaffirmation or if the creditor even filed the reaffirmation requesting approval. Many attorneys, myself included, refuse to sign off on reaffirmation agreements & many courts will not approve unnecessary real estate loan reaffirmation agreements. If you qualify for the Chapter 13 program, none of the information you provided regarding the reaffirmation will affect your ability to stop a foreclosure. But qualifying for this program is always problematic, especially if you don?t have competent representation.