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<TITLE>Item 7</TITLE>
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<B><FONT SIZE=4><P ALIGN="CENTER">UNITED STATES</P>
<P ALIGN="CENTER"> SECURITIES AND EXCHANGE COMMISSION</P>
</B></FONT><FONT SIZE=1>
<P>&nbsp;</P>
</FONT><B><FONT SIZE=2><P ALIGN="CENTER"> Washington, D.C. 20549</P>
</B></FONT><FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><B><FONT SIZE=4><P ALIGN="CENTER"> FORM 8-K</P>
</B></FONT><FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><B><FONT SIZE=2><P ALIGN="CENTER"> CURRENT REPORT</P>
</B></FONT><FONT SIZE=1>
<P>&nbsp;</P>
</FONT><B><FONT SIZE=2><P ALIGN="CENTER"> Pursuant to Section&nbsp;13 OR 15(d) of</P>
<P ALIGN="CENTER"> The Securities Exchange Act of 1934</P>
</B></FONT><FONT SIZE=1>
<P>&nbsp;</P>
</FONT><FONT SIZE=2><P ALIGN="CENTER"> Date of Report (Date of earliest event reported):<B> January 24, 2008</P>
</B></FONT><FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><B><FONT SIZE=4><P ALIGN="CENTER"> Affirmative Insurance Holdings, Inc.</P>
</B></FONT><FONT SIZE=1><P ALIGN="CENTER">  (Exact name of registrant as specified in its charter)</P>
</FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=719>
<TR><TD WIDTH="31%" VALIGN="TOP" HEIGHT=33>
<B><FONT SIZE=1><P ALIGN="CENTER">  Delaware</B></FONT></TD>
<TD WIDTH="3%" VALIGN="TOP" HEIGHT=33>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP" HEIGHT=33>
<FONT SIZE=2>
</FONT><B><FONT SIZE=1><P ALIGN="CENTER">  000-50795</B></FONT></TD>
<TD WIDTH="3%" VALIGN="TOP" HEIGHT=33>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP" HEIGHT=33>
<FONT SIZE=2>
</FONT><B><FONT SIZE=1><P ALIGN="CENTER">  75-2770432</B></FONT></TD>
</TR>
<TR><TD WIDTH="31%" VALIGN="TOP" HEIGHT=27>
<FONT SIZE=1><P ALIGN="CENTER"> (State or other jurisdiction</P>
<P ALIGN="CENTER"> of incorporation)</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP" HEIGHT=27>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP" HEIGHT=27>
<FONT SIZE=1><P ALIGN="CENTER"> (Commission File Number)</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP" HEIGHT=27>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP" HEIGHT=27>
<FONT SIZE=1><P ALIGN="CENTER"> (IRS Employer Identification No.)</FONT></TD>
</TR>
</TABLE>
<FONT SIZE=1><P>&nbsp;</P></FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=720>
<TR><TD WIDTH="19%" VALIGN="TOP" HEIGHT=46>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="47%" VALIGN="TOP" HEIGHT=46>
<FONT SIZE=2>
</FONT><B><FONT SIZE=1><P ALIGN="CENTER">  4450 SOJOURN DRIVE, SUITE 500</P>
<P ALIGN="CENTER"> ADDISON TX</B></FONT></TD>
<TD WIDTH="2%" VALIGN="TOP" HEIGHT=46>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="13%" VALIGN="TOP" HEIGHT=46>
<FONT SIZE=2>
</FONT><B><FONT SIZE=1><P ALIGN="CENTER">  75001</B></FONT></TD>
<TD WIDTH="19%" VALIGN="TOP" HEIGHT=46>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
</TR>
<TR><TD WIDTH="19%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="47%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P ALIGN="CENTER"> (Address of principal executive offices)</FONT></TD>
<TD WIDTH="2%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="13%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P ALIGN="CENTER"> (Zip Code)</FONT></TD>
<TD WIDTH="19%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
</TR>
</TABLE>
<FONT SIZE=1><P ALIGN="CENTER"> Registrant's telephone number, including area code: &nbsp;<B> (972) 728-6300</P>
</B>
<P ALIGN="CENTER"> ________________________________________________________________________________</P>
<P ALIGN="CENTER"> (Former name or former address, if changed since last report)</P>
</FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=682>
<TR><TD VALIGN="TOP" COLSPAN=3 HEIGHT=27>
<FONT SIZE=1><P>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</FONT></TD>
</TR>
<TR><TD WIDTH="5%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=2><P>&nbsp;</FONT></TD>
<TD WIDTH="9%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> [ &nbsp; ]</FONT></TD>
<TD WIDTH="85%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD>
</TR>
<TR><TD WIDTH="5%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=2><P>&nbsp;</FONT></TD>
<TD WIDTH="9%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> [ &nbsp; ]</FONT></TD>
<TD WIDTH="85%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12)</FONT></TD>
</TR>
<TR><TD WIDTH="5%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=2><P>&nbsp;</FONT></TD>
<TD WIDTH="9%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> [ &nbsp; ]</FONT></TD>
<TD WIDTH="85%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD>
</TR>
<TR><TD WIDTH="5%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=2><P>&nbsp;</FONT></TD>
<TD WIDTH="9%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> [ &nbsp; ]</FONT></TD>
<TD WIDTH="85%" VALIGN="TOP" HEIGHT=16>
<FONT SIZE=1><P> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD>
</TR>
</TABLE>
<FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P><A NAME="id_0_3"><A NAME="id_0_4"></A></A></P>
</FONT><B><FONT SIZE=2><P> Item 8.01 Other Events.</P>
</B></FONT><FONT SIZE=1>
<P>The Registrant, Affirmative Insurance Holdings, Inc. (Nasdaq: AFFM), a distributor and producer of non-standard personal automobile insurance, today announced its intent to enter into a proposed Second Amendment to the $220 million senior secured credit facility (the &quot;Facility&quot;) it entered into on January 31, 2007, which Facility was provided by a syndicate of lenders, including Credit Suisse, Cayman Islands Branch, as Administrative Agent and Collateral Agent.  The proposed Second Amendment is subject to the approval of a majority of the lenders under the Facility. A copy of the proposed &quot;Second Amendment to Credit Agreement&quot; setting forth substantially all of the contemplated amendments to the terms of the Facility is attached hereto as Exhibit 99.1.</P>
</FONT><B><FONT SIZE=2><P>  Item 9.01 Financial Statements and Exhibits</B>.</P>
</FONT><FONT SIZE=1>
<P>(d)  Exhibits:</P>
<P>&#9;99.1  Proposed <B>(DRAFT COPY)</B> of Second Amendment to Credit Agreement between the Registrant, certain lenders to be a party thereto, Credit Suisse, &#9;               &#9;         Cayman Islands Branch, as Administrative Agent and Collateral Agent, and The Frost National Bank, as Issuing Bank and Swingline Lender.</P>
</FONT>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<FONT SIZE=1><P>  </P>
</FONT><FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P><A NAME="id_0_7"><A NAME="id_0_8"></A></A></P>
</FONT><FONT SIZE=1>
</FONT><B><FONT SIZE=2><P ALIGN="CENTER"> SIGNATURE</P>
</B></FONT><FONT SIZE=1>
<P> &nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P></FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=720>
<TR><TD WIDTH="47%" VALIGN="TOP" HEIGHT=60>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="5%" VALIGN="TOP" HEIGHT=60>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="47%" VALIGN="TOP" HEIGHT=60>
<B><FONT SIZE=1><P ALIGN="CENTER"> Affirmative Insurance Holdings, Inc.</P>
</B></FONT><FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><FONT SIZE=1><P ALIGN="CENTER"> (Registrant)</P>
<P>&nbsp;</FONT></TD>
</TR>
<TR><TD WIDTH="47%" VALIGN="TOP" HEIGHT=66>
<B><FONT SIZE=1><P ALIGN="CENTER"> January 24, 2008</P>
</B></FONT><FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><FONT SIZE=1><P ALIGN="CENTER"> (Date)</FONT></TD>
<TD WIDTH="5%" VALIGN="TOP" HEIGHT=66>
<FONT SIZE=2><P> &nbsp;</FONT></TD>
<TD WIDTH="47%" VALIGN="TOP" HEIGHT=66>
<B><FONT SIZE=1><P ALIGN="CENTER"> /s/ &nbsp; JOSEPH G. FISHER</P>
</B></FONT><FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><FONT SIZE=1><P ALIGN="CENTER"> Joseph G. Fisher</P>
<I><P ALIGN="CENTER">  Senior Vice President and General Counsel</I></FONT></TD>
</TR>
</TABLE>
<FONT SIZE=1>
</FONT><FONT SIZE=1><P>&nbsp;</P>
</FONT><FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P></FONT></BODY>
</HTML>
[{"type": "8-K", "sequence": "1", "filename": "rrd191937.htm", "secsgml_size_bytes": 8807}]
{"company-data": {"conformed-name": "AFFIRMATIVE INSURANCE HOLDINGS INC", "cik": "0001282543", "assigned-sic": "6331", "irs-number": "752770432", "state-of-incorporation": "DE"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-50795", "film-number": "08548464"}, "business-address": {"street1": "4450 SOJOURN DRIVE", "street2": "SUITE 500", "city": "ADDISON", "state": "TX", "zip": "75001", "phone": "972-728-6300"}, "mail-address": {"street1": "4450 SOJOURN DRIVE", "street2": "SUITE 500", "city": "ADDISON", "state": "TX", "zip": "75001"}}
Item 7
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
January 24, 2008
Affirmative Insurance Holdings, Inc.
(Exact name of registrant as specified in its charter)
Delaware
000-50795
75-2770432
(State or other jurisdiction
of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
4450 SOJOURN DRIVE, SUITE 500
ADDISON TX
75001
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code:
(972) 728-6300
________________________________________________________________________________
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[   ]
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[   ]
Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12)
[   ]
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[   ]
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 8.01 Other Events.
The Registrant, Affirmative Insurance Holdings, Inc. (Nasdaq: AFFM), a distributor and producer of non-standard personal automobile insurance, today announced its intent to enter into a proposed Second Amendment to the $220 million senior secured credit facility (the "Facility") it entered into on January 31, 2007, which Facility was provided by a syndicate of lenders, including Credit Suisse, Cayman Islands Branch, as Administrative Agent and Collateral Agent.  The proposed Second Amendment is subject to the approval of a majority of the lenders under the Facility. A copy of the proposed "Second Amendment to Credit Agreement" setting forth substantially all of the contemplated amendments to the terms of the Facility is attached hereto as Exhibit 99.1.
Item 9.01 Financial Statements and Exhibits
.
(d)  Exhibits:
99.1  Proposed
(DRAFT COPY)
of Second Amendment to Credit Agreement between the Registrant, certain lenders to be a party thereto, Credit Suisse, 	               	         Cayman Islands Branch, as Administrative Agent and Collateral Agent, and The Frost National Bank, as Issuing Bank and Swingline Lender.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Affirmative Insurance Holdings, Inc.
(Registrant)
January 24, 2008
(Date)
/s/   JOSEPH G. FISHER
Joseph G. Fisher
Senior Vice President and General Counsel