If you choose to reaffirm your mortgage in bankruptcy proceedings, you execute a written reaffirmation agreement with your mortgage lender, under which you will resume making payments toward your mortgage, and, ultimately, keep possession of your home. A reaffirmation agreement binds you to make payments on a debt that has otherwise been discharged through the bankruptcy process, and most commonly occurs in the context of a Chapter 7 bankruptcy discharge, rather than a Chapter 13 bankruptcy reorganization plan. Therefore, bankruptcy laws generally require that reaffirmation agreements be negotiated during the bankruptcy proceedings, in order to ensure that the creditor is not taking advantage or exerting undue influence over the debtor, and that the debtor is financially able to reaffirm on this particular debt.