Table of Contents

Preface; Background; Secured Debts for Autos and Homes Most Frequent Type of Reaffirmed Debt; for Most Agreements, Reaffirmed Debt Burden Less than 25 Percent of Total Debt; Reaffirmed Interest Rates Were Less than or Equal to the Original Rate; Agency Comments; Appendix I. Objectives, Scope, and Methodology; Selection of Five Bankruptcy Court Districts for File Review; Selection of Cases Reviewed within Five Bankruptcy Court Districts; Appendix II. Reaffirmation Agreement Disclosures and Required Information; Estimates for Credit Unions; Appendix III. Federal Judiciary Reaffirmation Agreement Form, January 2007; Appendix IV. Additional Estimates on Cases and Reaffirmation Agreements Filed in Five Bankruptcy Court Districts; Case-Level Information; Reaffirmation-level Information; Tables; Figures; Index.