Why would creditor appear at 341?

[landofpoor]

I emailed my lawyer about this today as I received a letter stating that they would show up.

Hopefully he'll tell me the same thing...don't worry about it!

I'll make sure to keep my cool when they're bugging me!

If a person waits say 6 months it is I believe where they gotta write it off the books I have read here before? Why noy just wait tiil after then when they have sold it to file?Or maybe Im missing something.I am hoping by time I file the amounts will no longer be with oc where theyd appear at 341

[PoorGrammyinBK7]

Once I started doing some research that's what I got to thinking...Maybe they want someone there to represent them to force me to reaffirm. But I don't have to agree to anything correct? Especially since the assets I listed on that loan are exempt within the context of the BK.

As for whether I'd like to remain a member there, I could actually care less so that's no loss for me.

They can't force you to reaffirm. And even if you choose to sign one, you can rescind it - I forget what the time limit is on that, but it is allowed.

[trying_to_fix]

If a person waits say 6 months it is I believe where they gotta write it off the books I have read here before? Why noy just wait tiil after then when they have sold it to file?Or maybe Im missing something.I am hoping by time I file the amounts will no longer be with oc where theyd appear at 341

I was paying on the account I just hadn't used it in a while. So I did make payments up until about 2 months ago.

I couldn't have held off on filing because this was just one of many creditors I owed and I wanted to tackle this problem as soon as possible. The phone calls from all of them were relentless and there is a rental home involved in my Chapter 7 so I didn't want it to foreclose without being included in the BK.

[mrbsf]

what do you tell them if you don't want to reafirm?

Tell them "NO"...Under no circumstances should you sign a reaffirmation agreement with a computer being collateral. The attorney is coming to intimidate you into signing one. It is the only strategy they have. Just stand firm. You can do it. If not, that's what your paying your attorney for. You'll be fine.