Jurisdictions where reaffirmation isn't required:

Presently, if there is no default on the debt at filing , the following circuits do not require the debtor to reaffirm the debt to keep the collateral.

4th Cir.  see Belanger, 962 F.2d 345 (1992)

9th Cir.   see Parker  139 F.3d 668 (1998)

10th Cir.  see Lowry FCU v. West, 882 F 2d 1543 (1989)

 

What circuit am I in?

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References