Best Buy wants me to re-affirm

[pookieny]

Nope, you need to read more and do a search. Ask a Moderator to point you in the right direction, I have not been here long enough. I do know you are not correct though.

Nope, heard it directly from my lawyer, a paid professional.

[dingdong]

They are just bluffing.Playing the fear card in case you back down and reaffirm. They are in the position of,"It doesn't hurt to ask". Sorta like fishing.

Odds are some debtors may reaffirm because they don't know any better.

Most just ignore and never hear from them again.

Just wait it out, if they come, they come, but I bet they wont'

[sophia]

It's my understanding, that the only secured debt there is, is a house and a car. Everything else, for BK purposes, is considered unsecured.

Nope, you need to read more and do a search. Ask a Moderator to point you in the right direction, I have not been here long enough. I do know you are not correct though.

[pookieny]

It's my understanding, that the only secured debt there is, is a house and a car. Everything else, for BK purposes, is considered unsecured.

[sophia]

LOL! BB is SOL, then.

How come your lawyer doesn't know that it's unsecured debt and unless you bought it the month before you filed, they can't do anything?

Everything bought with a Best Buy CC is secured debt, they CAN take it back.

[pookieny]

Replying to the Bold.


I already had my 341 and no creditors came to attend, BB sent a letter to my lawyer thid week asking for me to pay a lump sum, re-affirm or surrender.

LOL! BB is SOL, then.

How come your lawyer doesn't know that it's unsecured debt and unless you bought it the month before you filed, they can't do anything?

[sophia]

What if you didn't have the stuff anymore becasue it broke or became obsolete? How would they "come and get it"?

I call bluff and your lawyer should know that. See if they show up at your 341 to get you to reafirm and go from there.
Tell them to come get it and you have to take time off of work and you make $50 per hour and you will charge them for your time. And you want to be paid with cash.

Replying to the Bold.


I already had my 341 and no creditors came to attend, BB sent a letter to my lawyer thid week asking for me to pay a lump sum, re-affirm or surrender.

[pookieny]

What if you didn't have the stuff anymore becasue it broke or became obsolete? How would they "come and get it"?

I call bluff and your lawyer should know that. See if they show up at your 341 to get you to reafirm and go from there.

Tell them to come get it and you have to take time off of work and you make $50 per hour and you will charge them for your time. And you want to be paid with cash.

[shabam]

There is no way I want to re-affirm this stuff as I can replace it all with more modern stuff for the amount they want me to re-affirm. I asked the lawyer what the chances are that they would even come and get the stuff and he said the would for sure.

Exactly why I would not reaffirm.

Let them come take it then. What are they going to do with it apart from throwing it ou?

[walkthaplank]

Your stuff isn't worth the gas money to go pick it up, that doesn't mean they won't do it out of some sort of warped devotion to "the principle of it".

[JRScott]

They'll probably call, you'll set up a time and you'll most likely never see them, a 4 year old TV isn't worth much. Used washer and dryer maybe 100 dollars each. Smaller stuff is just worthless.

[sophia]

I told lawyer to tell them we will surrender the property and he said I now just have to wait for them to contact me with a Day & Time for them to pick it up.

I don't even care. I'm not that attached to any of it.



24/7 laundromat Here I come!!

[veryclose]

The small items would have depreciated to zero by now. Tell them if they want to come collect their larger items, they'll be at the back door. I doubt very much they will, but as you said, you can replace all of those things for less than they want you to reaffirm for.

[liz417]

if best buy wants to come and get our washer/dryer, they'll get it--after i run a load of limburger cheese through it. And if the furniture store wants the couch & chair, the cats will have a pee-pee party on it first. :-)

lol!!

[SuzieBK]

If Best Buy wants to come and get our washer/dryer, they'll get it--after I run a load of limburger cheese through it. And if the furniture store wants the couch & chair, the cats will have a pee-pee party on it first. :-)