Although a debtor is not supposed to favor one creditor over another, the debtor can reaffirm his debt to creditors for assets he wished to retain (such as debtors residence or vehicle) before he receives a discharge in bankruptcy. Although a debtor is not supposed to favor one creditor over another, the debtor can reaffirm his debt to creditors for assets he wished to retain (such as debtors residence or vehicle) before he receives a discharge in bankruptcy