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Reaffirmation Agreements

Recognize the Reaffirmation Trap

When you face extreme debt and are considering bankruptcy or other debt relief options, it is important to get an attorney involved in the process as soon as possible. This is especially true if you have been asked to sign a reaffirmation agreement or a waiver discharge.

Lenders often use high-pressure tactics to get borrowers to unknowingly sign these agreements, thereby signing away many of their rights and their ability to retain their possessions. These lenders will tell you that these agreements prevent car repossession or possession of other property, but the reality is that these agreements eliminate your ability to discharge certain debts through bankruptcy. Your property or your car may still be repossessed if you fall behind on your payments at a later time.

Consult an Attorney Before You Sign

At The Law Offices of Elkins & Elkins, we give you direct access to reaffirmation agreement lawyers serving Orlando and other communities throughout Central Florida. We carefully analyze reaffirmation agreements, and give you advice about whether or not signing the agreement is appropriate for your situation. The advice we provide is shaped by the knowledge we have gained during the more than 30 years we have helped clients, and by the more than 15,000 successful consumer bankruptcy petitions we have filed.

Contact Us for Help with Debt Relief

Call us or contact us online to arrange a free consultation with a member of our results-oriented debt relief team.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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1420 Celebration Blvd. Suite 200
Celebration, FL 34747
Phone: 407-830-1177


7380 W. Sand Lake Rd. Suite 500
Orlando, FL 32819
Phone: 407-830-1177

Altamonte Springs

283 Cranes Roost Blvd. Suite 111
Altamonte Springs, FL 32701
Phone: 407-830-1177