Bay Federal Credit Union v. Ong (In Re Ong)

OPINION

HOLLOWELL, Bankruptcy Judge.

Creditor Bay Federal Credit Union (BFCU) appeals an order of the bankruptcy court disapproving a reaffirmation agreement that BFCU entered into with the debtor. The debtor was represented by an attorney during the negotiation of the reaffirmation agreement and the agreement complied with all relevant statutory requirements of § 524, 2 including the attorney’s certification that the agreement represented a fully informed and voluntary agreement, did not pose an undue hardship on the debtor or his dependents, and that the debtor was advised of the agreement’s…