[CLBS] Reaffirmation question

[Patrick J. Geile]

Have client who entered into a reaffirmation agreement with credit union regarding their car.  They have received their chapter 7 discharge and have made all payments required under the reaffirmation agreement.  The credit union is now contention that their credit card debt of $ 7000 is cross-collateralized regarding the car.  That debt was not disclosed or made part of the reaffirmation but credit union says doesn't matter because even though the debt is discharged the lien remains. I'm think judicial estoppel and violation of the discharge injunction.


Any help is appreciated.

Patrick J. Geile
Foley Freeman PLLC
953 S. Industry Way, Meridian, Idaho 83642
P.O. Box 10
Meridian, Idaho 83642
Direct line: (208) 947-1563
Phone:  (208) 888-9111
Fax:  (208) 888-5130