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IN RE HENDERSON

Nos. BK-S-12-23691-BAM, BK-S-12-23954-BAM, BK-S-12-24017-BAM, BK-S-13-10960-BAM, BK-S-13-11417-BAM.

492 B.R. 537 (2013)

In re Kevin Wayne HENDERSON and Rosa Isela Henderson, Debtors. In re Douglas Allen Kennedy and Jennifer Joy Kennedy, Debtors. In re Janice P. Green, a/k/a Jan Green, Debtor. In re Beatriz A. Perez-Urrea, a/k/a Beatriz Perez, Debtor. In re Edgar A. Greene, Debtor.

United States Bankruptcy Court, D. Nevada.

May 22, 2013.

Attorney(s) appearing for the Case

Shelley D. Krohn , Las Vegas, NV, for Debtors Kevin Wayne Henderson and Rosa Isela Henderson.

Joseph B. Atkins , Las Vegas, NV, Trustee.

Stefanie H. Clement , Las Vegas, NV, for Debtors Douglas Allen Kennedy and Jennifer Joy Kennedy.

David Krieger , Haines & Krieger, L.L.C., Las Vegas, NV, for Debtor Janice P. Green.

OPINION DISAPPROVING REAFFIRMATION AGREEMENTS

BRUCE A. MARKELL, Bankruptcy Judge.

I. INTRODUCTION

These cases each present a common factual scenario: debtors who wish to reaffirm a car loan that exceeds the value of the car that serves as collateral. The debtors each wish to reaffirm the loan because a car is, among other things, essential to keeping their employment. Even though all debtors are current on their payments, they fear repossession...

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