In re Rivas

Reaffirmation agreement not effective due to presumption of undue hardship and lack of counsel's certification.
Procedural posture: 
A debtor filed for relief under chapter 7 of the Bankruptcy Code. The debtor and the bank submitted a proposed reaffirmation agreement pursuant to 11 U.S.C.S. § 524.
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Consumer case opionion summary, case decided on March 03,2008, LexisNexis #0508-013