freeatlast Posted July 5, 2005 Report Share Posted July 5, 2005 Our Chapter 7 was discharged in Illinois on June 27th '05. Received our discharge document Saturday July 2nd. This was a no-asset case, we reaffirmed our mortgage, and had our vehicle re-possesed. The only creditor holding a security interest that sent us a re-affirmation agreement besides our mortgage and vehicle was Dell computer. We chose not to re-affirm the Dell account and it's our understanding the PC will probably have to go back to Dell. My question: Is there a time limit after discharge in which the creditor has to reposess, or do we need to just mail the PC back to Dell immediately? Could they be bluffing like Best Buy (HRS)? Our attorney has not been a lot of help. Link to comment Share on other sites More sharing options...
bingo Posted July 5, 2005 Report Share Posted July 5, 2005 Oh hell no don't mail it back. If they want a used computer, make them come and pick it up. You've no legal obligation to lift a finger to help them. They may bluff and bluster for awhile but you'll get to keep the computer. Link to comment Share on other sites More sharing options...
DocDon Posted July 5, 2005 Report Share Posted July 5, 2005 Your BK attorney hasn't been much help? Link to comment Share on other sites More sharing options...
freeatlast Posted July 5, 2005 Author Report Share Posted July 5, 2005 Probably should have clarified the last statement to read: Our attorney has not been much help with this particular question. Link to comment Share on other sites More sharing options...
DocPC Posted July 5, 2005 Report Share Posted July 5, 2005 Fine. If they insist on repo'ing your computer make damn sure they send the Sheriff with a writ of replevin. They won't do it because it costs way more than the computer is worth.Tell 'em to kiss MY a$$! Link to comment Share on other sites More sharing options...
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