We filed chapter 7 pro se we had 2 pieces of jewlery and we were to PAY 100.00 total but we dont have the jewelry no more what do I do because I got a letter from friedmans today they want me to re affirm or give up the property I had kidney failure 1 yr ago and I was very swollen so I took my ring off and lost it my husband lost his after it broke at work. what do I do?
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Sometimes life make you deal with ugly and hateful people ,just think of them as sand paper. They may scratch you and rub you the wrong way but eventually you end up smooth and polished and the sand paper becomes old and worn out. -
They say we owe 250.00 now but we only financed 100.00 Please any one with adviceSometimes life make you deal with ugly and hateful people ,just think of them as sand paper. They may scratch you and rub you the wrong way but eventually you end up smooth and polished and the sand paper becomes old and worn out. -
Typically, these types of creditors (i.e. consumer item secured loans, e.g. jewelry, TV's, computers, etc) will harass you for a bit, but then ultimately go away (most of the time).
As far as what to do, do nothing. (really, there is nothing you can do). If they want to enforce their rights, make them come to the BK court and enforce their rights, its no skin off your back to let them do so.
The other option is to see what type of Reaffirmation they propose, if you can get by with paying a token amount that you can "easily" afford, then do so to alleviate any future potential headaches in dealing with future collection attempts on the account. Otherwise, there is nothing you have to do.
Give them a counter-offer of $100 (if you can afford it) and see what they say, if they say no, do nothing.Last edited by HHM; 06-11-2007, 06:01 PM.Comment
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I put them down as unsecured creditors on the schedules because I felt if I dont have the property then it is unsecured. Do I need to change that ? Is there any motion they could or might file that would negativly affect my discharge? Because my case is a no asset case they were told on the notice of filing not to file a claim unless told to do so.
So just ignore them?Sometimes life make you deal with ugly and hateful people ,just think of them as sand paper. They may scratch you and rub you the wrong way but eventually you end up smooth and polished and the sand paper becomes old and worn out.Comment
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I am kind of in the same situation has Familyof7 because we have a loan for the business we own that we would like to file on in our Chapter 7. However we do not have some of the collateral listed so we do not know what to do.Comment
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You said they go away most of the time what happens if they dont can I get in trouble? will my case get dismissed or will I just have to pay them. I am so sorry for the millions of what ifs but I just am worried and want to be prepared for the worst if need beSometimes life make you deal with ugly and hateful people ,just think of them as sand paper. They may scratch you and rub you the wrong way but eventually you end up smooth and polished and the sand paper becomes old and worn out.Comment
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Really for a mear $100, they are going to go away. However, the worst that can happen is you will still have to pay them the $100. As HMM said, ignore them.Filed: 10/26/2006
Discharged: 03/05/2007
Closed: 5/19/2008 - Asset case due to balance transfer and income tax refundComment
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Thank you!!Sometimes life make you deal with ugly and hateful people ,just think of them as sand paper. They may scratch you and rub you the wrong way but eventually you end up smooth and polished and the sand paper becomes old and worn out.Comment
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It would cost them hundreds of $$ to have their lawyer either show up at your 341 or try to force you to give up the things. Probably much more than the jewelry is worth.Originally posted by JollyGG View PostComment
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Like someone above said I would make a counter offer of the 100 dollars, see if they take it. Explain that the property was lost (I'd be honest with them about what happened) and that you are unable to return it. Offer the 100 dollars (assuming you can afford it) and see if they settle. Otherwise ignore them, you don't have the property and assuming your case is no asset they aren't gonna get anything.May 31st, 2007: Petition Filed by my lawyer
July 2nd, 2007: 341 Meeting Held
September 4th, 2007: Discharged and Closed.Comment
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We dont have the money right now . We already had the 341 so I guess we are waiting on dischargeSometimes life make you deal with ugly and hateful people ,just think of them as sand paper. They may scratch you and rub you the wrong way but eventually you end up smooth and polished and the sand paper becomes old and worn out.Comment
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