Debtors often have property subject to a lien when they file for bankruptcy.  In order to keep the property debtors can often sign a reaffirmation agreement.  A reaffirmation agreement is a new contract between the debtor and secured lender.   The contract is the debtor’s promise to continue making future payments in exchange for the lender’s promise to not repossess.  Reaffirmation agreements must be approved by the bankruptcy court.  Bankruptcy Rules reqire reaffirmation agreements be filed within 60 days after the first meeting of creditors.