Q: I told my lawyer I didn't want to reaffirm my car loan. Is it too late to change my mind after the bankruptcy is final?
A: You can file a motion to reopen and reaffirm if the lender is in agreement.
A: This is going to come down to the judge in your case. Some judges don't believe that they have the authority to approve a reaffirmation after your debts have been discharged. Ask your lawyer to find out whether this is the case before you spend the money to reopen (there's a court fee).
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