Erica Jo Geisbert

UNITED STATES BANKRUPTCY COURT
FOR THE DISTRICT OF MARYLAND
at Greenbelt
IN RE: 	:
:
ERICA JO GEISBERT 	: 	Case No. 07-19770PM
: 	Chapter 7
Debtor 	:
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:
HOUSEHOLD BANK (SB), N.A. - 	:
POLARIS, Creditor 	:
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TENTATIVE RULING ON REAFFIRMATION AGREEMENT
This matter was originally scheduled for hearing on February 21, 2008, and upon the
Debtor’s tardy request that the matter be rescheduled. However, having carefully examined the
motion for court approval, the court makes this tentative ruling disapproving the Agreement.
The court finds that this obligation is not secured by property of the Debtor, and therefore
is not a secured claim. Examining Debtor’s Schedules, the court finds prima facie evidence that
the reaffirmation represents an undue hardship. It is, therefore, by the United States Bankruptcy
Court for the District of Maryland,
ORDERED That the court will disapprove Debtor’s reaffirmation of the Agreement with
Household Bank (SB), N.A. - Polaris (D.E. 15) by Order to be entered March 4, 2008, unless
Debtor files a pleading objecting to the entry of this Order by March 3, 2008. In such case, the
court will hold a hearing on the Reaffirmation Agreement on March 10, 2008, at 3:00 p.m
Date signed February 21, 2008
Entered: February 22, 2008 Case 07-19770 Doc 18 Filed 02/22/08 Page 1 of 2

cc:
Erica J. Geisbert, 10837 Bentwood Terrace, Hagerstown, MD 21740
Stephen A. Glessner, Esq., 226 East Patrick Street, Frederick, Md 21701
Household Bank (SB), N.A. - Polaris
c/o Bass & Associates, P.C., 3936 E. Ft. Lowell, Suite 200, Tucson, AZ 85712
End of Order
Case 07-19770 Doc 18 Filed 02/22/08 Page 2 of 2