GAYL E KEARNS

NOT FOR PUBLICATION UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF MONTANA In re Case No. 20-20252-BPH GAYL E. KEARNS, Debtor. MEMORANDUM OF DECISION INTRODUCTION In this Chapter 7 bankruptcy, Debtor and American Honda Finance Corporation (“Creditor”) entered into a reaffirmation agreement that was filed with the Court on January 13, 2021, at ECF No. 7 (“Agreement”). According to the Agreement, Debtor seeks to reaffirm a debt with Creditor in the principal amount of $9,957.92 that stems from a “Lease Agreement” (“Lease”) for a 2019 Acura Mdx, VIN No. 5J8YD7H72KL000733 (“Acura”). Section…