I start by telling them that the courts are increasingly anti-reaffirmation. I continue by telling them that reaffirmations are contrary to the whole purpose of a Ch. 7, which of course is to get a fresh start — hitting the “reset button” on their financial problems.

Still yet, people just do not want to give up their car payments … uh … I mean, “CARS”. Always the same conversation:

Me: You really should consider giving the car back after bankruptcy, and saving the payments for a $1000 car.

Client (horrified): WHAT? But I need a DEPENDABLE car.

Me: You can buy a helluva lot of “dependability” for the cost of your monthly car payment.

Client: Are you serious?

And so it goes.