Legal Question in Bankruptcy in North Carolina

Reinstated is not a bankruptcy word. Reaffirmation in bankruptcy is a new promise to pay the existing debt that is secured by your home or car or other property. If you did not reaffirm, then the ability of the creditor to pursue a deficiency is impaired or eliminated following discharge. On the other hand, if you reaffirm and remain current the creditor cannot foreclose on the house merely because you filed and failed to reaffirm. Since the automatic stay prevents collection activities (in the absence of reaffirmation) you will have to send in your payments without receiving notice or give them written permission to send notices of payments. If you have equity and want to confirm and settle the matter with the creditor, you could re-open for the purpose of reaffirmation. I do not think 1 year is too long for the judge to deny re-opening. You would have to show good cause, but he should do it. You should discuss the details and probable results of any action you take with your bankruptcy lawyer.