Fred Wayne Watkins and Joyce Lee Watkins

IN THE UNITED STATES BANKRUPTCY COURT
FOR THE DISTRICT OF MARYLAND
at Baltimore
In re: Case No.: 08−22695 − NVA Chapter: 7
Fred Wayne Watkins
7406 Virginia Ave
Nottingham, MD 21236
Joyce Lee Watkins
7406 Virginia Ave
Nottingham, MD 21236
Creditor − HSBC Mortgage Services
Reaffirmation − 15
STATEMENT OF REVIEW
The above identified Reaffirmation Agreement has been reviewed. It appearing that all requirements of 11 U.S.C.
§ 524 have been complied with, counsel for debtor has made the certification set forth in 11 U.S.C. § 524(c)(3), and
Part D of the Reaffirmation Agreement is completed in a manner not significantly disparate from the sworn
statements of the debtor in Schedules I and J and creates no presumption of undue hardship under 11 U.S.C. §
524(m). No hearing, determination, or order is required.
cc: Debtor(s)
Attorney for Debtor(s) − Thomas H. Bornhorst
Chapter 7 Trustee − Lori S. Simpson
Creditor − HSBC Mortgage Services
34.4 − csofinowski
End of Order
APPROVAL NOT REQUIRED OF REAFFIRMATION AGREEMENT
FOR CONSUMER DEBT SECURED BY REAL PROPERTY EVEN IN
CASES IN WHICH THE INDIVIDUAL IS NOT REPRESENTED
BY AN ATTORNEY.
Date signed December 18, 2008
Entered: December 19, 2008 Case 08-22695 Doc 17 Filed 12/19/08 Page 1 of 1