section 521(2) should be amended to clarify that a debtor with a consumer debt that, in accordance with the provisions of Title 11, is protected by the ownership of the estate, must acquire the property or obtain judicial approval of an agreement in accordance with Title 11, Section 524(c), in order to retain ownership after unloading, with the exception of a protective interest in immovable or personal property; which are the debtor`s principal residence. 297 See letter from Ron Haas, President of the Alabama Credit Union League (7 July 1997); Letter from Derek Smith, Loan Department, First Community Credit Union, Ellisville, MO (August 8, 1997); Letter from Joe Irish, Collections Officer, Fergus County Credit Union, Lewistown, Montana (16 July 1997); Letter from Andrena MacLeod-Rock, Director, United Credit Union, Council Bluffs, AI to the National Bankruptcy Review Commission (6. May 1997) (prohibition of reaffirmation is not in the best interest of consumers, since the confirmation shows a good intention to repay the debt, which contributes to obtaining future loans). A debtor might want to pay a debt, although that debt is relieved in the event of bankruptcy. For example, a debtor may want to keep a vehicle. As a promise to pay this debt, a debtor must enter into a repeatability agreement with the creditor. New confirmations are mandatory voluntarily and not by law. It is recommended that the debtor carefully determine whether or not the agreed payments can be made before entering into a stand-by agreement. .