Nicole Jacqueline Levesque

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UNITED STATES BANKRUPTCY COURT
DISTRICT OF MAINE
In re:
Nicole Jacqueline Levesque,
Debtor
Chapter 7
Case No. 26-10012
ORDER DENYING REQUEST TO RECONSIDER
On May 21, 2026, Nicole Jacqueline Levesque filed a document asking the Court to
reconsider its decision to withhold approval of a reaffirmation agreement between Ms. Levesque and
OneMain Financial Group, LLC. 	The Court construed Ms. Levesque’s request as a motion [Dkt.
No. 42]. 	Ms. Levesque later supplemented that motion with more information [Dkt. No. 45].
On June 16, 2026, the Court held a hearing on the matter. 	Ms. Levesque reported then
that she and her daughter now have full-time jobs. 	And thus, the financial situation of her
household has improved. 	Perhaps, with the increased income, the reaffirmation agreement
would not impose an undue hardship on Ms. Levesque or her dependents at this time. 	But, even
if that is correct, the Court would still be unable to approve the agreement.
The agreement would require 116 months—nearly 10 years—of payments for a vehicle
that is already 12 years old (a 2014 Ford Focus). 	Such a repayment period would almost
certainly extend well past the useful life of the vehicle. 	Such a lengthy repayment period for an
already dated vehicle would not be in Ms. Levesque’s best interest. 	And so, the Court cannot
approve the agreement. 	See 11 U.S.C. § 524(c)(6)(A)(ii).
Dated: June 30, 2026
Michael A. Fagone
United States Bankruptcy Judge
District of Maine
Case 26-10012 Doc 50 Filed 06/30/26 Entered 06/30/26 13:37:45 Desc Main
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