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Which of the following statements is true regarding reaffirmations? a. They can only happen after discharge. b. They can only be used on secured debts.

Which of the following statements is true regarding reaffirmations?

a. They can only happen after discharge.

b. They can only be used on secured debts.

c. Debtors represented by an attorney must file a declaration that the debtor was fully informed of his rights and voluntarily agreed to the reaffirmation, which will not impose an undue hardship.

d. They are no longer permitted.

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