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Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
An exercise machine is most likely a secured debt.
You can keep it, but you would have to pay for it.
you can surrender it in chapter 7 eliminating the debt
You can also buy it from the lender for a lump sum, but would negotiate that after filing
They may not want it back, so they may strike a deal with you, since it is bulky/heavy
They would pick it up, you wouldn't have to bring it or ship it somewhere
let me know if you have any questions.
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