Q: As a creditor, can I file a reaffirmation if we (the creditor) have a lien hold or default judgement from the court?
A: Yes, they are voluntary contact the debtor's counsel at once. You know the best time to call is in the am, but you can check pacer reports to see if the lawyer has court hearings. Hint call them when they aren't in court. Email address of debtor's counsel is a great way and also ask them if they will communicate with you by text. Most will today with the hope to save time.
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