Dell?

[Jasonc126]

Do you think Dell will take my computer away if I include it in the bankruptcy?

[NowImDownInIt]

I think that the way Dell works is that they issue you a credit line and you make the purchase. Do it's still unsecured debt. The computer should be exempt and you be able to keep it, however it depends on how long ago you purchased it, if they pull the fraud card.

[HHM]

Unless you bought the computer a month ago (and even then it is questionable whether they would take it), they will not repo the computer. And yes, that Dell account is "secured".

You may get their collection agents talking tough about taking it back, but they won't.

[NowImDownInIt]

http://www.bkforum.com/showthread.php?t=28777&highlight=dell+computer&page=2

Yah, what HHM said. LOL. I just found this recent post. Basically some people listed the debt as secured, some as unsecured. Technically it is secured, but it seems that most likely Dell will not pursue repossession.

[AngelinaCat]

No one is really going to bother with trying to repo used electronic equipment.

[b_girl]

We bought a computer through Best Buy a few years ago. When we filed in June, the lender (HSBC) asked us to reaffirm the remaining amount. We just laughed...the computer is worth maybe a couple of hundred at best. We were just discharged and so far no word yet. I agree that if it were a recent purchase, perhaps, but it seems unlikely otherwise.

[TEW]

They have not asked for mine back I bought it last November they called twice after i filed but made no mention of taking the PC back. they did jsut send me a notice to extend the warranty on my CC

[HHM]

Yeah, this has been discussed numerous times. If you do a search for Dell, you will get 172 thread results.

[JRScott]

My lawyer said we'd list it as unsecured and then deal with it if they complained. My DELL was 3 years old when we filed, they have sent no communication since then except the sales emails for new computers I still get.

[oldrocker]

We listed Dell as unsecured as well. Our state bk laws (and fed bk laws) allow a filer to avoid the lien on a computer (also one TV, one stereo, one VCR and also household goods like furniture and kitchen appliances) so its no wonder these "secured" creditors rarely try to get their stuff back.