Do I Have to Reaffirm Mortgage Debt After Bankruptcy in Order to Refinance?


Bankruptcy expert Leon Bayer answers real-life questions.

Dear Leon,

I filed for bankruptcy and received a discharge a year ago. I now want to refinance my home. My current mortgage is with Wells Fargo Bank and Freddie Mac.  Wells Fargo told me that in order to refinance I have to reaffirm my mortgage or take my home out of the bankruptcy. I don’t want to pay my former bankruptcy attorney to do this for me. Can I do this myself?


Dear Alice,

I can’t remember ever having a client sign a bankruptcy reaffirmation agreement covering a mortgage debt. I would say as a general rule it is a bad idea and also unnecessary. Here’s why:

If your house and mortgages were correctly listed in the bankruptcy, and if your bankruptcy case is now officially closed, then your house is legally and officially “out of the bankruptcy,” just the way Wells Fargo wants it to be.

You can go the bankruptcy court clerk’s office and get a copy for yourself of the Order Closing Case, and hopefully Wells Fargo will be satisfied with that. You could also pay a paralegal to get the document for you.

There may also be an easier way for you: I would bet that if you call your lawyer’s secretary and ask very sweetly, they will get it without charging you. A smart lawyer is always happy to do little things like this for clients, because a smart lawyer wants your referrals and to have nice things posted on the Internet!

I hope this works out for you.


Leon Bayer is a Los Angeles bankruptcy attorney.  He is a partner at Bayer, Wishman & Leotta, a California law firm specializing in bankruptcy.  The opinions and advice in this blog post are from Mr. Bayer alone, and should not be attributed to Nolo.  By answering a question on this blog, Mr. Bayer does not become your lawyer.

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