Bankruptcy Attorney serving Elgin, South Elgin, Carpentersville, Dundee, Algonquin, Lake In The Hills, Crystal Lake and all surrounding areas including nearly all of Northern Illinois.

Can I reaffirm some debts, can a creditor refuse to let me reaffirm?

Technically yes they can refuse to let you reaffirm. But this is very rare. As long as you are maintaining payments on a house or car and maintaining insurance they will almost always let you reaffirm.