In a bankruptcy, you are generally able to cancel your debts. There is an option to reaffrim your debt in writting. If you reaffirm you are then legally obligated to pay your debt despite the bankrupcty. It is alway optional and you may change your mind on any reaffirmation filed within 60 days. The reaffirm ation is not necessarily on the same terms and you should speak to a lawyer prior to deciding.
