Debtors sometimes desire to pay debts that are subject to the discharge and that the debtor has no obligation to pay. A debtor is always free to choose to pay discharged debts. BRA s524(f). However, a reaffirmation agreement obligates the debtor to pay despite the discharge. The usual case for such an agreement is where the debtor wishes to continue to hold property subject to a ,a href="./183.html">lien that cannot be avoided and because such liens are not affected by a discharge and can be enforced even though a discharge is granted the property would be lost despite the discharge. Prior to the most recent bankruptcy law, there was evidence that debtors were entering into reaffirmation agreements that did not serve their interests. Under the present law, reaffirmation agreements must be approved by the court. BRA s524(d). The approval must come at a discharge hearing where the court informs the debtor that a reaffirmation agreement is not required and can be rescinded. Where the debtor is not represented by an attorney, as to debts other than consumer debts secured by a lien on real property, the court must decide that the agreement will not impose and undue hardship on the debtor and is in the debtor's best interests. BRA s524(c).