Megan Shawn Sgaggero

IN THE UNITED STATES BANKRUPTCY COURT
FOR THE DISTRICT OF MARYLAND
at Greenbelt
In Re: 	*
Megan Shawn Sgaggero 	* Case No. 	07-10789-TJC
* Chapter 	7
* Creditor- 	Citizens Auto Finance
* Reaffirmation- 	16
Debtor 	*
MEMORANDUM TO DEBTOR AND DEBTOR'S COUNSEL REGARDING
REAFFIRMATION AGREEMENT
A presumption of undue hardship arises in the above captioned reaffirmation agreement
pursuant to 11 U.S.C. § 524(m)(1) and the Debtor has failed to sufficiently rebut in writing that
presumption. The Debtor shall file an amended reaffirmation agreement setting forth specific facts
that suffice to meet the requirements of 11 U.S.C. § 524(m)(1). If the Debtor fails to file an
amended reaffirmation agreement within 14 days, then a hearing on the instant reaffirmation
agreement will be needed.
cc: 	Debtor(s)
Debtor(s)’ Attorney - Terri A. Lowery
Trustee
U.S. Trustee
The debtors shall complete Part D by
providing an explanation of how they
will make up the monthly deficit.
Date signed March 27, 2007
Entered: March 28, 2007 Case 07-10789 Doc 17 Filed 03/28/07 Page 1 of 2

Reaffirmation Agreement Creditor - 	Citizens Auto Finance
One Citizens Drive
Riverside, RI 02915-3000
CourtInstruction/msa/3.07 (S.M. 3/23/07)
End of Order
Case 07-10789 Doc 17 Filed 03/28/07 Page 2 of 2