Lawsmith

Bankruptcy

Reaffirmation Cover Letter

Explain a reaffirmation agreement to the client, or send it to the creditor, with the deadline and the certification.

Try 5 documents freeDraft a sample

What you get

  • An editable Word document, drafted from your answers and the state's official text.
  • A proof of sources: every citation in the draft with the words it quotes, the official source, the date the text was saved and its fingerprint.
  • Notes for counsel listing each point marked [VERIFY], each blank and each choice left for the client.

What the intake asks

Plain questions, in the order an attorney would take the facts. Anything left blank stays a marked blank in the draft; nothing is invented to fill it.

The case

  • Debtor's full legal name
  • The case
  • Creditor

The debt and the agreement

  • The collateral
  • The debt and the proposed terms
  • Statement of intention
  • Budget
  • The attorney's certification

Delivery

  • Who the letter goes to
  • Last date to file the agreement
  • Delivery

Signature

  • Signing attorney
  • Other instructions or open decisions

Where it is offered

Every state Lawsmith has official sources for:

CaliforniaConnecticutDelawareDistrict of ColumbiaFloridaMarylandMassachusettsNew JerseyNew YorkOhioPennsylvaniaTexasVirginia

Official sources on file

The drafter works from the texts Lawsmith has saved for this document in the state you choose, plus federal law where it applies. Each is read from the official publisher and dated.

StateSources for this document
California26
Connecticut22
Delaware22
District of Columbia22
Florida21
Maryland25
Massachusetts23
New Jersey22
New York24
Ohio22
Pennsylvania26
Texas22
Virginia21

Among them, for New Jersey:

  • N.J.S.A. 2A:17-19: amount of personal property reserved from execution
  • N.J.S.A. 2A:26-4: property exempt from attachment
  • N.J.S.A. 12A:9-609 Secured party's right to take possession after default.
  • N.J.S.A. 12A:9-610 Disposition of collateral after default.
  • N.J.S.A. 12A:9-611 Notification before disposition of collateral.

How the draft is checked

Before it writes, the drafter must quote the official text behind each citation. Lawsmith compares every quotation with the text on file, character for character; a citation with no checked quotation reaches you marked [VERIFY]. The draft still needs your review before it is signed, filed or sent. How citations are checked

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