A document filed to disclose which secured debts the debtor intends to reaffirm. The debtor typically reaffirms debts secured by collateral he wants to keep. When a debtor reaffirms a debt, it is excepted from the discharge. The debtor can be sued on the debt if he fails to pay it, even after the discharge is entered.
written statement expressing intention of formal agreement
You had to sign and file a "statement of Intention" indicating if you were surrendering the house or reaffirming the debt. If the mortgage company did not send you a reaffirmation agreement, or your lawyer did not prepare one, you should still be able to keep the house, assuming you have continued to make the mortgage payments. If you did not, and are seriously in arrears, you will have to see if a chapter 13 is possible. See a knowledgeable bankruptcy lawyer.
Why do you think the bank has to do anything? You signed a document filed with the court called "Statement of Intention" in which you said you were surrendering the motorcycle. You have to go to the bank and give them the keys and tell them where the vehicle is. They may direct you to take it to a specific location to surrender it. If they want to abandon the property, they have to do it in writing.
No. You may "reaffirm" the debt through your attorney, but not until recommended to do so. If you wish to keep the car, then you need to let your attorney know.
There is no intention.
Chapter 7 of the bible will always be chapter 7.
1949
Conversion from a 13 to a 7 does not lift the automatic stay, so no foreclosure or repossession can occur just because of the conversion. The mortgagee and the car lender have to file motions to remove the automatic stay if they want to move on the foreclosure and repo. The debtor should have filed a Statement of Intention with regard to those debts, and if the debtor's intent is to surrender the collateral - which is a good idea, since otherwise the debt might survive the Chapter 7 - then the timing is somewhat in the debtor's hands. The debtor should have an attorney and should work with him/her to wrap things up.
Niyat means 'intention' and is sometimes seen spelt as Neeyat. It is a statement of intention made before Muslim prayer. As it is an Arabic word, there is no 'correct' spelling, and it will not be found in English dictionaries.
A Chapter 7 can be filed with an open Chapter 13.
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