I recently filed for Chapter 7 Bankruptcy and all my debts were discharged. None of the creditors protested. I just received a letter from a furniture creditor's attorney informing me that their client is secured by a purchase money security interest in consumer goods. They want to know if I intend to voluntarily surrender the collateral! My first question is how do they have the right to repossess my furniture ($10K) if this debt was included and discharged through my bankruptcy? And, why am I just hearing about this situation now after I thought everything had been settled? Second, I bought this furniture 3 years ago on a deferred payment plan and I had paid approx. $4K before I filed. Because it's second-hand now, it's not worth the value of my debt, not to mention the added expense to move all this furniture out of my apt. Why would they want to repossess it? Are they bluffing? Should I respond to this letter and if so, how? I don't want a payment plan to pay off the balance And, finally, just to make things even more interesting, my bankruptcy attorney is horrible. I paid him $800 and I ended having to show up 4 times in court before, the first time he hadn't filed the correct documentation, the next 3 times he didn't even show up. He never returned my calls and I was forced to contact the Trustee himself to get any kind of guidance during this entire process. So, I can't even ask him to help me with this furniture repossession crisis. I don't have much of any value except my furniture and I know I'll never be able to buy anything like this again. I just want to this whole thing behind me now. Any advice anyone can give me would be GREATLY appreciated.
