When an individual is going through bankruptcy, often times a creditor will extend to them the ability to reaffirm the debt. Reaffirmation of the debt is when the debtor will agree that they are legally obligated to still pay the debt.
Many times creditors will try to make a deal with the debtor by stating that the current balance on the account shows that they have a balance of $2,000, but as long as they agree to pay back at least $1,000, they will extend more credit to them.
Debtors often agree to this because they believe that it will show positive credit on their part after they file bankruptcy. A debtor should be cautious with reaffirming debt because if they happen to miss a payment, the collection activities will more than likely resume.