When one files for bankruptcy, there may be a possibility of entering into a reaffirmation agreement with creditors. This agreement allows a debtor to keep certain secured assets, like a car or a home, by agreeing to continue making payments on the debt owed to the creditor.

While reaffirmation agreements can help a debtor keep their assets, there are certain legal fees associated with reaffirmation agreements. Here’s everything you need to know about reaffirmation agreement attorney fees.

What are reaffirmation agreement attorney fees?

Reaffirmation agreement attorney fees are the costs associated with hiring an attorney to help you negotiate and draft the reaffirmation agreement with the creditor. These fees vary from attorney to attorney and may depend on the complexity of the case.

Why do you need an attorney for a reaffirmation agreement?

While it is possible to negotiate a reaffirmation agreement on your own, it’s highly recommended to consult with an attorney. Here’s why:

1. An attorney can help you understand the terms and conditions of the agreement.

2. An attorney can negotiate terms that are favorable to you.

3. An attorney can ensure that the agreement is binding and enforceable in court.

4. An attorney can provide legal guidance and support throughout the process.

How much do reaffirmation agreement attorney fees cost?

The cost of reaffirmation agreement attorney fees varies depending on the complexity of the case and the attorney’s hourly rate. On average, you can expect to pay between $500 and $2,000 for attorney fees.

Some attorneys may offer a flat fee for their services, while others may charge an hourly rate. It’s important to discuss the attorney’s fees upfront and understand how they will be calculated.

Can reaffirmation agreement attorney fees be included in bankruptcy?

Yes, reaffirmation agreement attorney fees can be included in the bankruptcy filing and be discharged along with other debts. However, it’s important to note that the attorney must be hired before the bankruptcy is filed in order for the fees to be discharged.

It’s also important to discuss the fees with the attorney beforehand to ensure that they are aware that the fees will be discharged in bankruptcy.


Reaffirmation agreement attorney fees are an important consideration for those who are filing for bankruptcy. While these fees can vary depending on the complexity of the case and the attorney’s hourly rate, they are a necessary expense to ensure that your reaffirmation agreement is legally binding and enforceable in court.

If you’re considering a reaffirmation agreement, it’s highly recommended to consult with an experienced bankruptcy attorney who can guide you through the process and help you negotiate favorable terms with your creditor.