reaffirmation-agreement

name	reaffirmation-agreement
title	Reaffirmation Agreement
description	Drafts Reaffirmation Agreements under 11 U.S.C. § 524(c) for U.S. bankruptcy proceedings. Produces Official Form 240A-compliant documents with agreement summary, original/modified loan terms, debtor and attorney certifications, and court approval sections. Use when a debtor reaffirms a dischargeable debt to retain secured collateral such as vehicles or homes.
author	CaseMark
author_url	https://github.com/CaseMark/skills/tree/main/skills/legal/reaffirmation-agreement
license	Apache-2.0
version	0.1.0
execution_mode	open
jurisdiction	us
practice	bankruptcy
language	en

Reaffirmation Agreement

Drafts a court-ready reaffirmation agreement allowing a debtor to retain secured collateral by voluntarily reaffirming a dischargeable debt under 11 U.S.C. § 524(c). Must comply with Bankruptcy Rule 4008 and Official Form 240A.

Prerequisites

Collect before drafting:

1. Parties — debtor/creditor legal names, addresses, case number, chapter filed
2. Original loan — date, principal, interest rate, payment amount/frequency, maturity
3. Current status — outstanding balance (principal + accrued interest + fees), payment history, default status
4. Collateral — description, current fair market value, lien position
5. Modified terms (if any) — reduced rate, extended term, principal reduction
6. Schedule I and J — debtor's current income and expenses for undue hardship analysis
7. Representation status — whether debtor has counsel (determines court approval requirement)

Document Structure

Part A: Agreement Summary

Present as a table:

Field	Value
Debtor Name	{name}
Case Number	{case no.}
Creditor Name	{name}
Total Debt Reaffirmed	${amount}
— Principal	${amount}
— Accrued Interest	${amount}
— Fees/Costs	${amount}
Collateral Description	{description}
Collateral Fair Market Value	${amount}
Annual Percentage Rate	{rate}%
Monthly Payment	${amount}
Payment Duration	{months/years}
Total of Payments	${amount}

Part B: The Agreement

1. Party identification — full legal names, addresses
2. Original loan terms — date, principal, rate, payment, frequency, maturity
3. Reaffirmed terms — state whether original or modified terms apply
4. If modified, include side-by-side comparison: