Another secured creditor question.....

[busby]

I had Dell and Home Depot accounts included in my filing.

The Dell account only had a $50 balance but is listed as secured and I suppose will be paid before any others but the Home Depot account (about $500 balance) was listed as unsecured.

[vicmost]

I'm a bit confused about a few of the secured creditors I have. I have accounts with Dell, Sears, Home Depot, Lowe's, and Snap-On Tools. I plan on filing chapter 13. I've read about these accounts and my understanding is that these creditors have a secured interest the items that I purchased. So, if I wish to keep keep some of items I purchased do I just keep paying on these accounts as usual? Some of the items I've purchased can't be surrendered...A few examples would be cleaning supplies, gardening supplies, tile, etc... etc..
How do you deal with these creditors? I've read that some people have negotiated deals with these creditors...I'm planning on filing in about 6 months and I will probably stop paying some of these creditors in about 3 months...Sorry for the repetitive post, it's a confusing subject for me

Thanks!~!