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IN RE HENDERSON

Nos. BK-S-12-23691-BAM, BK-S-12-23954-BAM, BK-S-12-24017-BAM, BK-S-13-10960-BAM, BK-S-13-11417-BAM.

492 B.R. 537 (2013)

In re Kevin Wayne HENDERSON and Rosa Isela Henderson, Debtors. In re Douglas Allen Kennedy and Jennifer Joy Kennedy, Debtors. In re Janice P. Green, a/k/a Jan Green, Debtor. In re Beatriz A. Perez-Urrea, a/k/a Beatriz Perez, Debtor. In re Edgar A. Greene, Debtor.

United States Bankruptcy Court, D. Nevada.

May 22, 2013.

Attorney(s) appearing for the Case

Shelley D. Krohn, Las Vegas, NV, for Debtors Kevin Wayne Henderson and Rosa Isela Henderson.

Joseph B. Atkins, Las Vegas, NV, Trustee.

Stefanie H. Clement, Las Vegas, NV, for Debtors Douglas Allen Kennedy and Jennifer Joy Kennedy.

David Krieger, Haines & Krieger, L.L.C., Las Vegas, NV, for Debtor Janice P. Green.

OPINION DISAPPROVING REAFFIRMATION AGREEMENTS

BRUCE A. MARKELL, Bankruptcy Judge.

I. INTRODUCTION

These cases each present a common factual scenario: debtors who wish to reaffirm a car loan that exceeds the value of the car that serves as collateral. The debtors each wish to reaffirm the loan because a car is, among other things, essential to keeping their employment. Even though all debtors are current on their payments, they fear repossession...

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