ÿWPCþ   u󣌸$sL™Ãæ#‹;Çž)nT¾b@*ÿ ûXeTÇÒYƒ¯$µ[Ù-«ÑÏvc¥ùMYžWóÓ `/ђߤf7.‰]<’…hì”)žW®¬–¶Ô´ÝÛ­"ª”áêLÖKQÌ5¶ªüvÝFk iÉÜäUÏ)¼6“è`ðL~h×ôÓÍŽ`ܤ~“R¢1ӖЈ”]Êl¤÷î)¬OßúpäÙˆß;éÍÙ.à«È²ÞH1”á<6”ºÞ»_Â^Ð#‘Öp}]]œéRÿô²£‰‰hG:Á…´ZJó{S”þÜɆFµ{Ó•Ú¦ÌJåëö»H !iŸšO¯S T-4g¯y[Ó`­í·Ð6²±Ï·» U Ðu/BðÇ>öf£%µ™† [ål£Ìbd/²­vØ‹—ÖvÖdM6ÄU=g˜n¬èƒëø1¬;ƒÌ~oê—Zt-¢~è\³Âªë æÞ6ĆY!, ˆÙtÚíçóáZó¤C%Àe×T—íïYXµ-äò·!ÔBóÔ#¨Š/;ƒOîˆzÒ)z“y÷íò8â)(ï– ä„$[Ëþ>!uoÍšC<3[ónï3‰#ÁlUN- %{ 0:N»^ ½wÉ4Íáð mò 1‡  72 0c 0w% 0Šœ 0 & 0´Æ 0Çz 0ÛA 0ï 0D 1uO 72Ä ö ˜HP LaserJet 6MP,,,,,,,,0(ÖÃ9 Z‹6Times New Roman RegularX(üœ$¡¡ÔUSUS.,Ô}L3s ‘‚1Ó|–,ê:i¢×+003|x ÿU‹ÿÀÀÀhG/CEIMQUY]aAutoList1&&&&&&&&i)1)a) &(;3£$´´Ô2#ÔÚ  Ú0Ú  Ú.Ô3  Ôà0  à(Oé;$µµà0  àÔ2#ÔÚ  ÚaÚ  Ú.Ô3  Ôà0` (#(#à(b·¤$¶¶à0  àà0` (#(#àÔ2#ÔÚ  ÚÚ  Ú.Ô3  Ôà0¸ ` (#` (#à(xir$··à0  àà0` (#(#àà0¸ ` (#` (#àÔ2#Ô(Ú  Ú0Ú  Ú)Ô3  Ôà0¸ (#¸ (#à(ŒÜ$¸¸à0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àÔ2#Ô(Ú  ÚaÚ  Ú)Ô3  Ôà0h(#(#à(ŸF$¹¹à0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àÔ2#Ô(Ú  ÚÚ  Ú)Ô3  Ôà0Àh(#h(#à(³Àô$ººà0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#àÔ2#ÔÚ  Ú0Ú  Ú)Ô3  Ôà0À(#À(#à(ǵ{$»»à0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#àà0À(#À(#àÔ2#ÔÚ  ÚaÚ  Ú)Ô3  Ôà0p(#(#à(F$ïïà0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#àà0À(#À(#àà0p(#(#àÔ2#ÔÙ ÙÚ  ÚÚ  ÚÙ Ù)Ô3  Ôà0Èp(#p(#àÙ Ù3#37=CIQYag­­1.a.i.(1)(a)(i)1)a)i) Ý ƒüœ!ÝÔUSUS.,ÔÝ  ÝÔ_ÔÑϰÑB€240€„€Reaffirmation€AgreementÐ Ï ÐÔ_Ô(10/05)Ô_Ôà ` àà ¸ àà  àà h àÐ »ì ÐÓ  Óòòóóò òÌó óÔ‡ Q)XXÔUnited€States€Bankruptcy€CourtÐ “Ä ÐÔ#†Xû´X Q)#ÔÔ‡¼§ˆ»XXû´Ô____________________District€of€_____________________Ð Íþ ÐÔ#†Xû´X»¼§ˆy#ÔÓ  ÓÌÌIn€re€_______________________________,à0  àà0p(#(#àCase€No.________________з èp(#p(# Ðà  àà ` àà ¸ àà  àDebtorà0 À àà0À(#À(#àà0p(#(#àChapter€________У Ôp(#p(# ÐÔ‡¼§ˆ»XXû´ÔÓ  ÓÌò òòòREAFFIRÔ#†Xû´X»¼§ˆ)#ÔÔ‡¼§ˆ»XXû´ÔMATION€AGREEMENTóóó óÔ#†Xû´X»¼§ˆ…#ÔÐ ¡ Ò  ÐÌòò[Indicate€all€documents€included€in€this€filing€by€checking€each€applicable€box.]óóÐ ¡Ò  ÐÓHÓÌÓ€ (G/x3Óà  àð&ð€Part€A:€Disclosures,€Instructions,€andà0  àð&ð€Part€D:€Debtorððs€Statement€in€Support€ofÐyª (#(# Ðà  à€€€€Notice€to€Debtor€(Pages€1€„€5)à0 À àà0À(#À(#à€€€€Reaffirmation€AgreementÐe–(#(# Ðà  àð&ð€Part€B:€Reaffirmation€Agreementà0 À àà0À(#À(#àð&ð€Part€E:€Motion€for€Court€ApprovalÐQ‚(#(# Ðà  àð&ð€Part€C:€Certification€by€Debtorððsà0 À àà0À(#À(#àð&ð€Proposed€Order€Approving€Reaffirmation€Ð=n(#(# Ðà  à€€€€Attorneyà0 ¸ àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#àà0À(#À(#à€€€€AgreementÐ)Z(#(# ÐÌò òó óà0  àð&ð€òò[Check€this€box€if]óó€Creditor€is€a€Credit€Union€as€defined€in€ðð19(b)(1)(a)(iv)€of€the€€€€€€€€€Ð 2 ЀFederal€Reserve€ActÐí(#(# ÐÌò òPART€A:€DISCLOSURE€STATEMENT,€INSTRUCTIONS€AND€NOTICE€TO€DEBTORó óÐ Åö Ðò òÌà  à1.à0 ` àDISCLOSURE€STATEMENTó óà€(#(#K(#` (#` (#àˆÐ Î ÐÌà  àò òòòBefore€Agreeing€to€Reaffirm€a€Debt,€Review€These€Important€Disclosuresóó:Ð u¦ Ðó óÌò òÓ  ÓSUMMARY€OF€REAFFIRMATION€AGREEMENTÐ M~ Ðó óÓß Óà  àThis€Summary€is€made€pursuant€to€the€requirements€of€the€Bankruptcy€Codeò òó ó.Ð 9 j ÐÌò òòòÓ  ÓAMOUNT€REAFFIRMEDóóó óÐ "B  ÐÓ¬ Óà  àÌà  àa.à0 ` àThe€amount€of€debt€you€have€agreed€to€reaffirm:à0È` (#` (#àà0 È(#È(#à$_________________Ðé# " (# (# ÐÌ€€€€€€€€€à0  àb.à0` (#(#àAll€fees€and€costs€accrued€as€of€the€date€of€thisÐÁ%ò!$` (#` (# Ðà  àà ` àdisclosure€statement,€related€to€the€amount€of€debtÐ ­&Þ"% Ðà  àà ` àshown€in€a.,€above:à0 h àà0Àh(#h(#àà0À(#À(#àà0p(#(#àà0Èp(#p(#àà0 È(#È(#à$_________________Й'Ê#& (# (# ÐÌà  àc.à0 ` àThe€total€amount€you€have€agreed€to€reaffirm€Ðq)¢%(` (#` (# Ðà  àà ` à(Debt€and€fees€and€costs)€(Add€lines€a.€and€b.):€à0 È à€€€à0 È(#È(#à$_________________Ð]*Ž&) (# (# ÐÌò òòòà  àYour€credit€agreement€may€obligate€you€to€pay€additional€amounts€which€may€comeÐ 5,f(+ Ðdue€after€the€date€of€this€disclosure.€Consult€your€credit€agreement.Ð -N), ÐÔ_Ôóóó óÌÔ_Ô€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€2Ð »ì Ðò òÓ  ÓòòANNUAL€PERCENTAGE€RATEóóó óÐ §Ø ÐÓñÓòòÌ[The€annual€percentage€rate€can€be€disclosed€in€different€ways,€depending€on€the€type€of€debt.]óóÐ ° ÐÓ ÓÌÓ¼Óà  àa.€€€If€the€debt€is€an€extension€of€ð ðcreditðð€under€an€ð ðopen€end€credit€plan,ðð€as€those€termsÐ W ˆ Ðare€defined€in€ðð€103€of€the€Truth€in€Lending€Act,€such€as€a€credit€card,€the€creditor€may€discloseÐ C t Ðthe€annual€percentage€rate€shown€in€(i)€below€or,€to€the€extent€this€rate€is€not€readily€available€orÐ / ` Ðnot€applicable,€the€simple€interest€rate€shown€in€(ii)€below,€or€both.Ð  L  ÐÌà8  à(i)€€The€Annual€Percentage€Rate€disclosed,€or€that€would€have€been€disclosed,€toÐ ó $  Ðthe€debtor€in€the€most€recent€periodic€statement€prior€to€entering€into€theÐ ß  Ðreaffirmation€agreement€described€in€Part€B€below€or,€if€no€such€periodicÐ Ëü  Ðstatement€was€given€to€the€debtor€during€the€prior€six€months,€the€annualÐ ·è  Ðpercentage€rate€as€it€would€have€been€so€disclosed€at€the€time€of€the€disclosureÐ £Ô  Ðstatement:€€€______%.ÐÀÐ Ð  ÐÌà8  àà ` àà ¸ àà  àà h àòòð"ð€And/Or€€„„„óóÐg˜Ð Ð  ÐÌà8  à(ii)€€The€simple€interest€rate€applicable€to€the€amount€reaffirmed€as€of€the€date€thisÐ ?p Ðdisclosure€statement€is€given€to€the€debtor:€__________%.€€€If€different€simpleÐ +\ Ðinterest€rates€apply€to€different€balances€included€in€the€amount€reaffirmed,€theÐ H Ðamount€of€each€balance€and€the€rate€applicable€to€it€are:Ð4Ð Ð  ÐÌà8  à$€_________@€_________%;€ÐÛ Ð Ð  Ðà8  à$_________€@€_________%;€ÐÇøÐ Ð  Ðà8  à$_________€@€_________%.гäÐ Ð  ÐÌÌà  àb.€€If€the€debt€is€an€extension€of€credit€other€than€under€than€an€open€end€credit€plan,€theÐ w¨ Ðcreditor€may€disclose€the€annual€percentage€rate€shown€in€(i)€below,€or,€to€the€extent€this€rate€isÐ c ” Ðnot€readily€available€or€not€applicable,€the€simple€interest€rate€shown€in€(ii)€below,€or€both.Ð O!€  ÐÌà8  à(i)€€The€Annual€Percentage€Rate€under€ðð128(a)(4)€of€the€Truth€in€Lending€Act,€asÐ '#X" Ðdisclosed€to€the€debtor€in€the€most€recent€disclosure€statement€given€to€the€debtorÐ $D # Ðprior€to€entering€into€the€reaffirmation€agreement€with€respect€to€the€debt€or,€if€noÐ ÿ$0!$ Ðsuch€disclosure€statement€was€given€to€the€debtor,€the€annual€percentage€rate€as€itÐ ë%"% Ðwould€have€been€so€disclosed:€_________%.Ð×&#&Ð Ð  ÐÌà  àà ` àà ¸ àà  àà h àòòð"ð€And/Or€„„„óóà  àà p àÐ ¯(à$( ÐÌà8  à(ii)€€€The€simple€interest€rate€applicable€to€the€amount€reaffirmed€as€of€the€dateÐ ‡*¸&* Ðthis€disclosure€statement€is€given€to€the€debtor:€__________%.€€€If€differentÐ s+¤'+ Ðsimple€interest€rates€apply€to€different€balances€included€in€the€amount€Ô_Ôreaffirmed,Ô_ÔÔ_ÔÔ_ÔÐ_,(,Ð Ð  ÐÐ K-|)- Ї€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€3Ð Ï Ðà  à€the€amount€of€each€balance€and€the€rate€applicable€to€it€are:Ð »ì Ðà8  à$€_________@€_________%;€Ð§ØÐ Ð  Ðà8  à$_________€@€_________%;€Ð“ÄÐ Ð  Ðà8  à$_________€@€_________%.аРР ÐÌÌà  àc.€€If€the€underlying€debt€transaction€was€disclosed€as€a€variable€rate€transaction€on€theÐ C t Ðmost€recent€disclosure€given€under€the€Truth€in€Lending€Act:Ð / ` ÐÌà8  àThe€interest€rate€on€your€loan€may€be€a€variable€interest€rate€which€changes€fromÐ  8  Ðtime€to€time,€so€that€the€annual€percentage€rate€disclosed€here€may€be€higher€orÐ ó $  Ðlower.€Ðß Ð Ð  ÐÌÌà  àd.€€If€the€reaffirmed€debt€is€secured€by€a€security€interest€or€lien,€which€has€not€beenÐ £Ô  Ðwaived€or€determined€to€be€void€by€a€final€order€of€the€court,€the€following€items€or€types€ofÐ À Ðitems€of€the€debtorððs€goods€or€property€remain€subject€to€such€security€interest€or€lien€inÐ {¬ Ðconnection€with€the€debt€or€debts€being€reaffirmed€in€the€reaffirmation€agreement€described€inÐ g˜ ÐPart€B.Ð S„ ÐÌòòItem€or€Type€of€Itemóóà0 ¸ àà0¸ (#¸ (#àà0h(#(#àòòOriginal€Purchase€Price€or€Original€Amount€of€LoanóóÐ+\h(#h(# ÐÌÌÌÌòòòòOptionalóó„„„At€the€election€of€the€creditor,€a€repayment€schedule€using€one€or€a€combination€ofÐ Çø Ðthe€following€may€be€provided:óó€Ð ³ä ÐÌòòò òRepayment€Schedule:ó óóóÐ ‹¼ ÐÌYour€first€payment€in€the€amount€of€$___________€is€due€on€_________(date),€but€the€futureÐ c ” Ðpayment€amount€may€be€different.€Consult€your€reaffirmation€agreement€or€credit€agreement,€asÐ O!€  Ðapplicable.Ð ;"l! ÐÌòòÓ  Ó„„„Or„„„Ð $D # ÐóóÓZ%ÓÌYour€payment€schedule€will€be:€_________(number)€payments€in€the€amount€of€$___________Ð ë%"% Ðeach,€payable€(monthly,€annually,€weekly,€etc.)€on€the€__________€(day)€of€each€____________Ð ×&#& Ð(€week,€month,€etc.),€unless€altered€later€by€mutual€agreement€in€writing.€€Ð Ã'ô#' ÐÌòòÓ  Ó„„„Or„„„óóÐ ›)Ì%) ÐÓÙ&Ó€ÌA€reasonably€specific€description€of€the€debtorððs€repayment€obligations€to€the€extent€known€byÐ s+¤'+ Ðthe€creditor€or€creditorððs€representative.Ð _,(, ÐÐ K-|)- Ї€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€4Ð Ï ÐÌà  àò ò2.€€INSTRUCTIONS€AND€NOTICE€TO€DEBTORó óÐ §Ø ÐÌà  àò òReaffirming€a€debt€is€a€serious€financial€decision.ó ó€€The€law€requires€you€to€take€certainÐ ° Ðsteps€to€make€sure€the€decision€is€in€your€best€interest.€If€these€steps€are€not€completed,€theÐ o  Ðreaffirmation€agreement€is€not€effective,€even€though€you€have€signed€it.€Ð [ Œ ÐÌà  à1.€Read€the€disclosures€in€this€Part€A€carefully.€Consider€the€decision€to€reaffirmÐ 3 d Ðcarefully.€€Then,€if€you€want€to€reaffirm,€sign€the€reaffirmation€agreement€in€Part€B€(or€you€mayÐ  P  Ðuse€a€separate€agreement€you€and€your€creditor€agree€on).€Ð  <  ÐÌà  à2.€Complete€and€sign€Part€D€and€be€sure€you€can€afford€to€make€the€payments€you€areÐ ã  Ðagreeing€to€make€and€have€received€a€copy€of€the€disclosure€statement€and€a€completed€andÐ Ï  Ðsigned€reaffirmation€agreement.Ð »ì  ЀÌà  à3.€If€you€were€represented€by€an€attorney€during€the€negotiation€of€your€reaffirmationÐ “Ä Ðagreement,€the€attorney€must€have€signed€the€certification€in€Part€C.€Ð ° ÐÌà  à4.€If€you€were€not€represented€by€an€attorney€during€the€negotiation€of€your€reaffirmationÐ Wˆ Ðagreement,€you€must€have€completed€and€signed€Part€E.Ð Ct ÐÌà  à5.€The€original€of€this€disclosure€must€be€filed€with€the€court€by€you€or€your€creditor.€If€aÐ L Ðseparate€reaffirmation€agreement€(other€than€the€one€in€Part€B)€has€been€signed,€it€must€beÐ 8 Ðattached.€Ð ó$ ÐÌà  àòòòòóóóó€6.€òòIf€the€creditor€is€not€a€Credit€Unionóó€and€you€were€represented€by€an€attorney€during€theÐ Ëü Ðnegotiation€of€your€reaffirmation€agreement,€your€reaffirmation€agreement€becomes€effectiveÐ ·è Ðupon€filing€with€the€court€unless€the€reaffirmation€is€presumed€to€be€an€undue€hardship€asÐ £Ô Ðexplained€in€Part€D.€€òòòòóóIf€the€creditor€is€a€Credit€Unionóó€and€you€were€represented€by€an€attorneyÐ À Ðduring€the€negotiation€of€your€reaffirmation€agreement,€your€reaffirmation€agreement€becomesÐ {¬ Ðeffective€upon€filing€with€the€court.Ð g ˜ ÐÌà  à7.€If€you€were€not€represented€by€an€attorney€during€the€negotiation€of€your€reaffirmationÐ ?"p! Ðagreement,€it€will€not€be€effective€unless€the€court€approves€it.€The€court€will€notify€you€and€theÐ +#\" Ðcreditor€of€the€hearing€on€your€reaffirmation€agreement.€You€must€attend€this€hearing€inÐ $H # Ðbankruptcy€court€where€the€judge€will€review€your€reaffirmation€agreement.€The€bankruptcyÐ %4!$ Ðcourt€must€approve€your€reaffirmation€agreement€as€consistent€with€your€best€interests,€exceptÐ ï% "% Ðthat€no€court€approval€is€required€if€your€reaffirmation€agreement€is€for€a€consumer€debt€securedÐ Û& #& Ðby€a€mortgage,€deed€of€trust,€security€deed,€or€other€lien€on€your€real€property,€like€your€home.Ð Ç'ø#' ÐÌÌÌÐ  w+¨'+ Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€5Ð Ï ÐÌÓ  Óò òYOUR€RIGHT€TO€RESCIND€(CANCEL)€YOUR€REAFFIRMATION€AGREEMENTó óÐ §Ø ÐÓ  ÓÌà  àYou€may€rescind€(cancel)€your€reaffirmation€agreement€at€any€time€before€the€bankruptcyÐ ° Ðcourt€enters€a€discharge€order,€or€before€the€expiration€of€the€60-day€period€that€begins€on€theÐ kœ Ðdate€your€reaffirmation€agreement€is€filed€with€the€court,€whichever€occurs€later.€To€rescindÐ W ˆ Ð(cancel)€your€reaffirmation€agreement,€you€must€notify€the€creditor€that€your€reaffirmationÐ C t Ðagreement€is€rescinded€(or€canceled).Ð / ` ÐÌò òÌFrequently€Asked€Questions:ó ó€Ð ó $  ÐÌà  àòòWhat€are€your€obligations€if€you€reaffirm€the€debt?óó€A€reaffirmed€debt€remains€yourÐ Ï  Ðpersonal€legal€obligation.€It€is€not€discharged€in€your€bankruptcy€case.€That€means€that€if€youÐ »ì  Ðdefault€on€your€reaffirmed€debt€after€your€bankruptcy€case€is€over,€your€creditor€may€be€able€toÐ §Ø  Ðtake€your€property€or€your€wages.€Otherwise,€your€obligations€will€be€determined€by€theÐ “Ä Ðreaffirmation€agreement€which€may€have€changed€the€terms€of€the€original€agreement.€ForÐ ° Ðexample,€if€you€are€reaffirming€an€open€end€credit€agreement,€the€creditor€may€be€permitted€byÐ kœ Ðthat€agreement€or€applicable€law€to€change€the€terms€of€that€agreement€in€the€future€under€certainÐ Wˆ Ðconditions.€Ð Ct ÐÌà  àòòAre€you€required€to€enter€into€a€reaffirmation€agreement€by€any€law?óó€No,€you€are€notÐ L Ðrequired€to€reaffirm€a€debt€by€any€law.€Only€agree€to€reaffirm€a€debt€if€it€is€in€your€best€interest.Ð 8 ÐBe€sure€you€can€afford€the€payments€you€agree€to€make.Ð ó$ ÐÌòòà  àWhat€if€your€creditor€has€a€security€interest€or€lien?óó€Your€bankruptcy€discharge€does€notÐ Ëü Ðeliminate€any€lien€on€your€property.€A€ððððlienðððð€is€often€referred€to€as€a€security€interest,€deed€ofÐ ·è Ðtrust,€mortgage€or€security€deed.€Even€if€you€do€not€reaffirm€and€your€personal€liability€on€theÐ £Ô Ðdebt€is€discharged,€because€of€the€lien€your€creditor€may€still€have€the€right€to€take€the€securityÐ À Ðproperty€if€you€do€not€pay€the€debt€or€default€on€it.€If€the€lien€is€on€an€item€of€personal€propertyÐ {¬ Ðthat€is€exempt€under€your€Stateððs€law€or€that€the€trustee€has€abandoned,€you€may€be€able€toÐ g ˜ Ðredeem€the€item€rather€than€reaffirm€the€debt.€To€redeem,€you€make€a€single€payment€to€theÐ S!„  Ðcreditor€equal€to€the€current€value€of€the€security€property,€as€agreed€by€the€parties€or€determinedÐ ?"p! Ðby€the€court.€ò òÐ +#\" ÐÌà8  àNOTE:ó ó€When€this€disclosure€refers€to€what€a€creditor€ððððmayðððð€do,€it€does€not€useÐ %4!$ Ðthe€word€ð ðmayðððð€to€give€the€creditor€specific€permission.€The€word€ððððmayðððð€is€usedÐ ó%$"% Ðto€tell€you€what€might€occur€if€the€law€permits€the€creditor€to€take€the€action.€IfÐ ß&#& Ðyou€have€questions€about€your€reaffirming€a€debt€or€what€the€law€requires,€consultÐ Ë'ü#' Ðwith€the€attorney€who€helped€you€negotiate€this€agreement€reaffirming€a€debt.€IfÐ ·(è$( Ðyou€donððt€have€an€attorney€helping€you,€the€judge€will€explain€the€effect€of€yourÐ £)Ô%) Ðreaffirming€a€debt€when€the€hearing€on€the€reaffirmation€agreement€is€held.Ð*À&*Ð Ð  ÐÌÌÐ S-„)- Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€6ò òÐ Ï ÐÌÌPART€B:€REAFFIRMATION€AGREEMENTó ó.Ð “Ä ÐÌà  à€I€(we)€agree€to€reaffirm€the€debts€arising€under€the€credit€agreement€described€below.Ð o  ÐÌà  à1.€€Brief€description€of€credit€agreement:€Ð G x ÐÌÌÌÌà  à2.€€Description€of€any€changes€to€the€credit€agreement€made€as€part€of€this€reaffirmationÐ ã  Ðagreement:Ð Ï  ÐÌÌÌÌ€ÌòòSIGNATURE(S):óóÐ Wˆ ЀÌòòBorrower:óóà0 ` àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#àòòCo„borroweróó,€if€also€reaffirming€these€debts:Ð/`À(#À(# ÐÌ______________________________à0 À à____________________________Ð8À(#À(# Ð(Print€Name)à0 ` àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#à(Print€Name)Ðó$À(#À(# Ð______________________________à0 À à_____________________________ÐßÀ(#À(# Ð(Signature)à0 ` àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#à(Signature)ÐËüÀ(#À(# ÐDate:€________________à0  àà0h(#(#àà0Àh(#h(#àDate:€________________зèÀ(#À(# ÐÌòòÌAccepted€by€creditoróó:€Ð {¬ ÐÌ______________________________Ð S!„  Ð(Print€Name)Ð ?"p! Ð______________________________Ð +#\" Ð(Signature)Ð $H # ÐDate€of€creditor€acceptance:€________________Ð %4!$ ЀÌÐ  Û& #& Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€7Ð Ï ÐÌÌò òPART€C:€CERTIFICATION€BY€DEBTORððS€ATTORNEY€(IF€ANY)ó ó.Ð “Ä ÐÌòòÓ  Ó[Check€each€applicable€box.]óóÐ o  ÐÓÀKÓÌà  àð&ð€I€hereby€certify€that€(1)€this€agreement€represents€a€fully€informed€and€voluntaryÐ G x Ðagreement€by€the€debtor;€(2)€this€agreement€does€not€impose€an€undue€hardship€on€the€debtor€orÐ 3 d Ðany€dependent€of€the€debtor;€and€(3)€I€have€fully€advised€the€debtor€of€the€legal€effect€andÐ  P  Ðconsequences€of€this€agreement€and€any€default€under€this€agreement.€Ð  <  ÐÌà  àð&ðòò€[If€applicable€and€the€creditor€is€not€a€Credit€Union.]óó€A€presumption€of€undueÐ ã  Ðhardship€has€been€established€with€respect€to€this€agreement.€€In€my€opinion,€however,€the€debtorÐ Ï  Ðis€able€to€make€the€required€payment.Ð »ì  ÐÌÌPrinted€Name€of€Debtorððs€Attorney:€_______________________________Ð ° ÐÌSignature€of€Debtorððs€Attorney:€___________________________________Ð Wˆ ЀÌDate:€______________€Ð /` ÐÌÐ  8 Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€8Ð Ï ÐÌÌÒ°Òò òPART€D:€DEBTORððS€STATEMENT€IN€SUPPORT€OF€REAFFIRMATION€AGREEMENTÐ “Ä Ðó óÒ‘ÒÌà  à1.€€I€believe€this€reaffirmation€agreement€will€not€impose€an€undue€hardship€on€myÐ kœ Ðdependents€or€me.€I€can€afford€to€make€the€payments€on€the€reaffirmed€debt€because€myÐ W ˆ Ðmonthly€income€(take€home€pay€plus€any€other€income€received)€is€$________,€and€my€actualÐ C t Ðcurrent€monthly€expenses€including€monthly€payments€on€post„bankruptcy€debt€and€otherÐ / ` Ðreaffirmation€agreements€total€$________,€leaving€$________€to€make€the€required€paymentsÐ  L  Ðon€this€reaffirmed€debt.€I€understand€that€if€my€income€less€my€monthly€expenses€does€notÐ  8  Ðleave€enough€to€make€the€payments,€this€reaffirmation€agreement€is€presumed€to€be€an€undueÐ ó $  Ðhardship€on€me€and€must€be€reviewed€by€the€court.€However,€this€presumption€may€beÐ ß  Ðovercome€if€I€explain€to€the€satisfaction€of€the€court€how€I€can€afford€to€make€the€paymentsÐ Ëü  Ðhere:€_________________.Ð ·è  ÐÌà  à2.€òòEither:€€óóI€received€a€copy€of€the€Reaffirmation€Disclosure€Statement€in€Part€A€and€aÐ À Ðcompleted€and€signed€reaffirmation€agreement.€Ð {¬ ÐÌà  àà ` àà ¸ àà  àà h àà À àð"ð€òòOr€„„„óóÐ S„ ÐÌà  àòò[If€the€creditor€is€a€Credit€Union€and€the€debtor€is€represented€by€an€attorney]óó€€IÐ +\ Ðbelieve€this€reaffirmation€agreement€is€in€my€financial€interest.€I€can€afford€to€make€theÐ H Ðpayments€on€the€reaffirmed€debt.€I€received€a€copy€of€the€Reaffirmation€Disclosure€StatementÐ 4 Ðin€Part€A€and€a€completed€and€signed€reaffirmation€agreement.Ð ï  ÐÌÌSigned:€____________________________________Ð ³ä Ðà  à(Debtor)Ð ŸÐ Ðà  à_____________________________________Ð ‹¼ Ðà  à(Joint€Debtor,€if€any)Ð w¨ ÐDate:à0  à___________________Ðc ”G"G" ÐÌÔ‡ô¨òXXû´ÔÌÔ#†Xû´Xòô¨Y#ÔÐ  ÿ"0" ÐÓ  Ó€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€P.€9Ð Ï ÐÌÓwYÓò òPART€E:€MOTION€FOR€COURT€APPROVALó óÐ §Ø Ðòò(To€be€completed€only€if€the€debtor€is€not€represented€by€an€attorney.)óóÐ “Ä Ðò òÌòòÓ  ÓMOTION€FOR€COURT€APPROVAL€OF€REAFFIRMATION€AGREEMENTóóÐ kœ Ðó óÓËZÓÌà  àI€(we),€the€debtor(s),€affirm€the€following€to€be€true€and€correct:€Ð C t ÐÌà  àI€am€not€represented€by€an€attorney€in€connection€with€this€reaffirmation€agreement.Ð  L  ÐÌà  àI€believe€this€reaffirmation€agreement€is€in€my€best€interest€based€on€the€income€andÐ ó $  Ðexpenses€I€have€disclosed€in€my€Statement€in€Support€of€this€reaffirmation€agreement,€andÐ ß  Ðbecause€(provide€any€additional€relevant€reasons€the€court€should€consider):Ð Ëü  ÐÌÌÌà  àà ` àÌà  àTherefore,€I€ask€the€court€for€an€order€approving€this€reaffirmation€agreement.€Ð g˜ ÐÌÌÌSigned:_______________________________Ð H Ðà  à(Debtor)Ð 4 Ðà  à_______________________________Ð ï  Ðà  à(Joint€Debtor,€if€any)Ð Û  ÐÌDate:à0  à__________________гäG"G" ÐÌÐ  ‹¼ ÐÌÌòòÓ  ÓóóÔ‡ Q)XXû´ÔUnited€States€Bankruptcy€CourtÐ §Ø ÐÔ#†Xû´X Q)0_#ÔÔ‡¼§ˆ»XXû´Ô____________________District€of€_____________________Ð á ÐÔ#†Xû´X»¼§ˆ¥_#ÔÓ  ÓÌÌIn€re€_______________________________,à0  àà0pG"G"àCase€No.________________ÐË üpG"pG" Ðà  àà ` àà ¸ àà  àDebtorà0 À àà0ÀG"ÀG"àà0pG"G"àChapter€________з èpG"pG" ÐòòóóÌÌÓ!_Óò òÓ  ÓORDER€APPROVING€REAFFIRMATION€AGREEMENTó óÐ { ¬  ÐÓpaÓÌÌÌà  àThe€debtor(s)€_______________________€have€filed€a€motion€for€approval€of€the€Ð +\  Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€(Name(s)€of€debtor(s))Ð H ÐÌreaffirmation€agreement€dated€_____________________€made€between€the€debtor(s)€andÐ ï  Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€(Date€of€agreement)Ð Û  Ѐ___________________________.€€The€court€held€the€hearing€required€by€11€U.S.C.€ðð€524(d)€Ð Çø Ѐ€€€€€€€€(Name€of€creditor)Ð ³ä Ðon€notice€to€the€debtor(s)€and€the€creditor€on€_____________________.Ð ŸÐ Ðà  àà ` àà ¸ àà  àà h àà À à€€€€€€€€€€€€€€€€(Date)Ð ‹¼ ÐÌÌÒ„‘ÒCOURT€ORDER:à0 ¸ àThe€court€grants€the€debtorððs€motion€and€approves€the€reaffirmationÐ O€ Ðagreement€described€above.Ð;l¸ T$¸ T$ ÐÌÌà  àà ` àà ¸ àà  àà h àà À àà  àBY€THE€COURTÐ ÿ0 ÐÌÌÌDate:€__________________à0  àà h àà À àà  à_______________________________Я"à!T$T$ Ðà  àà ` àà ¸ àà  àà h àà À àà  àòòUnited€States€Bankruptcy€JudgeóóÐ ›#Ì" Ð