Hi again. Thanks for the additional information.
When a debt is discharged in bankruptcy, only the obligation to pay is eliminated. If a lien exists, then that will generally remain. Therefore, you probably no longer owe the furniture company, but if the furniture company had a lien on your sofa, then the lien probably still exists. With the lien, the furniture company can repossess the sofa unless payment is made. Again, you do not legally owe the furniture company, but if you want to keep the sofa, then it can still demand payment. This type of situation is most common with regard to mortgages. Often, a mortgage will be discharged in bankruptcy, but the lien on the house still remains. Therefore, even after a bankruptcy, if the mortgage goes unpaid then the lender can foreclose. The same is likely true here with the sofa.
I suggest you contact your bankruptcy attorney so he can review the details and advise you correctly … but based upon what you stated here, my guess is that you probably must still pay if you want to keep the sofa.
Have I satisfactorily addressed your concerns? If not, then please feel free to ask for clarification.
If the information that I provided is helpful, then please remember to click the green accept button so that I will receive credit and compensation for my time. Positive feedback is always appreciated as well. Thank you and good luck!
DISCLAIMER: Please be aware that only an attorney licensed in your state is authorized to advise you in legal matters, and that the limitations of this setting may prevent your legal issues from being thoroughly addressed. Accordingly, please understand that (1) by answering your question(s) I am not acting as your attorney, (2) my answer(s) should be construed as general information only, and (3) our discussion is not an adequate substitute for an in-person consultation with an attorney.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).