In a Chapter 7 case, a debtor must decide to surrender property subject to debt or reaffirm the debt. Should he choose reaffirmation, he must execute a reaffirmation agreement prepared by counsel for the creditor, and he must bring such debt current and keep it current or be subject to the lifting of the automatic stay as described previously. If a reaffirmation agreement is executed, it is filed with the bankruptcy court prior to the debtor receiving his discharge in bankruptcy.
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