In Re Stillwell

MEMORANDUM OPINION

TERRENCE L. MICHAEL, Chief Judge.

Few things are as ingrained in the American way of life as the automobile. Unless one lives in an urban area with a sophisticated mass transit system, an automobile is considered indispensable. Without a car, one cannot shop, take the kids to soccer practice, or run any of the other errands which comprise a day in the life of an average American. The question before the Court is whether to allow a debtor to reaffirm a debt secured by a motor vehicle which, based upon the debtor’s own admissions, she cannot afford. What follows is more or less…