DMcGov Posted June 4, 2015 Report Share Posted June 4, 2015 I'm hoping some of you might have some experience or insight into my situation. I am considering filing Chapter 7, but there are a couple of accounts I am concerned about. One was a laptop I leased from a company and the other was a couch financed through Progressive Finance. When my finances went "downhill" so to speak, I sold both of the items. I realize that this was unethical at best, and could be considered theft by conversion at worst. I am not proud of this and will gladly accept your disdain...just trying to paint an accurate picture. I haven't made a payment on either account since early 2014. The computer leasing company has sent it to collections, and Progressive Finance continues their own collection efforts, mainly in the form of phone calls. If I'm not mistaken, these would normally be handled as secured debts, and I'd have the option to return the items, etc. Obviously, I can't do that without possession of the items. My concern is that if I include these in bankruptcy, it will force their hand and they might press criminal charges against me. Am I being paranoid? If they were going to take that step, would they have already done so? Thanks in advance for your answers. Quote Link to comment Share on other sites More sharing options...
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