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Terry L.
Terry L., Attorney
Category: Bankruptcy Law
Satisfied Customers: 2832
Experience:  Better Business Bureau. 18yrs bankruptcy experience. Chicago Bar Assoc. American Bankruptcy Institute member.
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i am currently having issues with being able to "rate" answers.

This answer was rated:

i am currently having issues with being able to "rate" answers. however
i will follow up on this when i am able to do it.

this is a question regarding ch7 i am about to file, after letting my 13 dismiss
as i was able to get a modification for my house. i have two new items i am curious
if i need to add or can to the ch 7 when i file. i bought a total gym excercise
machine and decided against keeping it back in febr this year. at the time i was still
in ch 13 and didn't have a modification yet. would something like this be added
to the ch7? and will they want it back? that is fine if they do, but i can not afford
to ship it and they will not send boxes. how would that work, it is not a credit card.
it was a trial offer for 30 days and then i never paid it.

Terry L. :

Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.

Terry L. :

An exercise machine is most likely a secured debt.

Terry L. :

You can keep it, but you would have to pay for it.

Terry L. :

you can surrender it in chapter 7 eliminating the debt

Terry L. :

You can also buy it from the lender for a lump sum, but would negotiate that after filing

Terry L. :

They may not want it back, so they may strike a deal with you, since it is bulky/heavy

Terry L. :

They would pick it up, you wouldn't have to bring it or ship it somewhere

Terry L. :

let me know if you have any questions.

Terry L. and other Bankruptcy Law Specialists are ready to help you

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