A reaffirmation agreement is an agreement by a chapter 7 debtor to continue paying a dischargeable debt (such as an auto loan) after the bankruptcy, usually for the purpose of keeping collateral (i.e. the car) that would otherwise be subject to repossession. Reaffirmation Agreements are strictly voluntary, and in some instances, require the approval of the bankruptcy judge.
View The Reaffirmation Project page for more information on free counseling to unrepresented debtors seeking to enter into reaffirmation agreements.