MEMORANDUM OPINION ON CREDITOR'S MOTION TO REOPEN CASE TO ENFORCE REAFFIRMATION AGREEMENT
MICHAEL G. WILLIAMSON, Bankruptcy Judge.
In order for a reaffirmation agreement to be binding upon an individual debtor who is not represented by an attorney while negotiating the agreement, the court must hold a hearing at which the debtor appears in person and at which the court informs the debtor of the voluntary nature of the agreement and the legal consequences...
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