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

[user365735]

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?

[FireMedic1]

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

[user365735]

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

[despritfreya]

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@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?

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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.

[WildestDreams]

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. 

[cynicaldragon83]

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. 

[user365735]

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? 

[sccredit]

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