Reaffirmation Agreement with a Credit Union

Rev. 02/23/2024

11. U.S.C. § 524(m)

When the creditor is a credit union*, the court must hold a hearing when the debtor is not represented by counsel when negotiating the agreement.

The court is not required to hold a hearing when the debtor's attorney signs the agreement, even when there is a presumption of undue hardship. See 11. U.S.C. § 524(m).

*Credit Union as defined in section 19(b)(1)(A)(iv) of the Federal Reserve Act.


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U.S. Bankruptcy Court    Southern District of Mississippi