If items are reaffirmed in bankruptcy but the credit report shows a 0 balance and the items were discharged through bankruptcy do you still owe the creditors?

Answer

You always "owe" creditors after a bankruptcy, they just can't try and collect.

If you reaffirmed the debt, you can be held liable.

Reaffirmation means that you are (re)assuming liabilty for the debt. Ignore what the credit report says, check with the creditor.

Answer

Not true. Bankruptcy discharge means that the debt no longer exists. Perhaps you are thinking of the defense of statutory limitation on collection?

Answer

I agree with Nate. The Bankruptcy Code, in 11 USC 524, says: "(a) A discharge in a case under this title— (1) voids any judgment at any time obtained... (2) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor...." My interpretation is that the Code says the debts are uncollectable and void but does not say they cease to exist. If they ceased to exist, then the creditors could not write them off as bad debts on their own taxes, nor could credit reporting agencies continue to use the bad debts to influence the debtor's credit score (which they most certainly do), nor would the debts continue to appear on the debtor's creditor report at all (which they do). I agree with Nate that what the credit report says in irrelevant: if the debt is reaffirmed then the debtor owes it. If the amount of the debt is actually $0.00 then no problem, but what the contract between the debtor and the creditor says trumps anything the credit report says. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.