odd request from creditor

[abacus]

We have filed chapt. 7 and the 341 is coming up at the end of June. One of our creditors asked us to either reaffirm the debt or surrender the goods. The creditor was a finance company and the loan was unsecured. While I can understand them asking for the debt to be reaffirmed. It is confusing as to how to surrender the goods. The loan was for surgery.

Oh well guess they just are a bit confused.

[tracy1878]

this is just my 2cents... since it's an unsecured loan, especially for something that is not an actual object, like a car, i think it would be treated like a credit card and wiped off.

[EdytaHome]

Don't reaffirm on this debt, they're just trying to get you to continue paying on this loan even though you filed BK. I'm sure it will be discharged since there is nothing to surrender.

[tinroofrusted]

This is really weird.

[abacus]

Our lawyer is a little confused as to why they would ask to surrender the goods. He understands asking for it to be reaffiremed (which we wil not do) but just can't figure out how we would even go about surrendering the surgery.

[mymymy]

hmm... maybe tell your lawyer to direct that question where it belongs.. the finance co's attorney! Duh.. why is he sitting around wondering and being confused? I am kinda glad I didn't hire one.. no offense to any counsel.. I just can't believe how many incompetant ones there are, especially in this field!