Sacramento Bankruptcy: What if you Have Existing Loans Which you Don’t Want to Discharge?

Sacramento home lenders and automobile finance companies are generally happy to allow you to continue making car payments and mortgage payments before and after a Chapter 7 filing.  The legal term for this is called “reaffirming your debt.”  Lenders and finance companies are in business to make money, and they make money from interest not from repossessing property.  Confident that bankruptcy has cleared away old debts and that you cannot re-file for eight years, they will happily continue to accept your payments as provided for in the original agreements.  If you choose one of Sagaria Law’s Sacramento attorneys, we will handle all the arrangements so that you can reaffirm your debts on your home, car, or other household goods that you have outstanding balances on.  Likewise, credit card companies are usually willing to reaffirm your debt so that you can reestablish a credit line following a Chapter 7 or 13 bankruptcy.  Sagaria Law is able to customize solutions for client needs; however, we urge clients to beware of falling back into the credit card trap.
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