holmesnmanny - the advice you have given is not 100% accurate. If it is secured debt, which in this case it was, the credit can repossess after a BK (and you stopped paying it) even if there were no distributions from the trustee or if they didn't show up to the 341 meeting. The same applies with a car - if you stop paying, and did not reaffirm, after BK discharge, they can repossess the car. Many people like to think that because it's furniture, it does not apply, but the same rules apply. We just dont often hear about it from furniture companies.
In reality, it should have been listed on the statement of intentions, but it was not.
Our BK attorney told us that, outside of cars and homes, many creditors who hold collateral (like furniture or electronics) won't repossess because the costs involved outweigh the return the creditor would get - but, it is possible for a creditor to reach out afterwards to repossess collateral - and to expect it with Dell.
BK Discharge 2/11/14
Currently in the garden.
