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"Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

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user365735
Regular Contributor

"Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

What does this mean? On my last day of discharge this was posted 😭. Is this coming from ford or the bankruptcy court. I don't understand. I am current. It's a chapter 7. What useally causes this?

Message 1 of 8
7 REPLIES 7
FireMedic1
Community Leader
Mega Contributor

Re: "Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

Did you reaffirm your vehicle? Looks like Ford agreed. Congrats on the DC!


Message 2 of 8
user365735
Regular Contributor

Re: "Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

Nothing has been discharged yet because of the reaffirmation hearing. someone doesn't agree because there is a hearing regarding the agreement.

Message 3 of 8
despritfreya
Frequent Contributor

Re: "Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"


@user365735 wrote:

What does this mean? On my last day of discharge this was posted 😭. Is this coming from ford or the bankruptcy court. I don't understand. I am current. It's a chapter 7. What useally causes this?


The court is required to hold a Hearing on the Motion to Approve the Reaffirmation Agreement, especially if you filed without an attorney.  This is normal and nothing to worry about.  You should attend the Hearing.

 

Des.

Message 4 of 8
WildestDreams
Regular Contributor

Re: "Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

usually the Judge wants to go over the paper work with you, typically nothing to worry about. When is the hearing?

 

I had a huge issue with my reaffirmation having no hearing date set for over 2 months - my situation is NOT typical, most people get a hearing a week or two after the papers are filed, then a few days after the hearing you are officially discharged. 



BKCH7 - Discharged Dec 2022
Message 5 of 8
cynicaldragon83
New Contributor

Re: "Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

I had to do a reaffirmation, especially since I filed pro-se. I believe Ford Motor Credit is a lender that requires a reaffirmation hearing with the court whether you used a lawyer or not.

 

The hearing itself lasted maybe all of 15 minutes. The judge basically asked how I could "afford" the payment and I basically outlined that it was already budgeted in while I was preparing the petition (Schedule J).

 

It's just something that needs to be on the record. 

Message 6 of 8
user365735
Regular Contributor

Re: "Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

Guys,

I just received notification that I've been discharged. The reaffirmation hearing is in January. Do I still need to attend? I don't see that the agreement has been approved or denied by the court. I am assuming I still need to attend? 

Message 7 of 8
sccredit
Valued Contributor

Re: "Notice of Hearing for: Reaffirmation Agreement with Ford Motor Credit Company"

YES! The discharge does not close your case. You need to attend. 

Message 8 of 8
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