Ok, I asked someone that had extensive knowledge with BKs and this is how he explained it to me (the important part - in a nutshell):
Quote:
The statement of intentions, etc mean nothing. There has to specifically be a reaffirmation agreement, signed by the lender and the consumer to keep the account from being discharged. That is the only document that matters.
Since her att'y did not file a reaffirmation agreement- the debt is discharged, and Honda is reporting properly.
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So, maygen, unless you have the actual reaffirmation agreement.......this acct may have been included in your BK.
