I was summoned last weekend and plan to appeal

You are correct. When you lease a vehicle, you are not taking ownership or title of it. Since it is not yours, they can't take it. Kind of like an apartment lease -- just because you sign a lease on an apartment, doesn't mean the creditor can sue you and come take the building...

Seems rather odd for a company to end up with 8 of your old credit cards ... were they all through the same company? I would think 8 different debts means they would have to file 8 separate cases, one for each account.

It is odd indeed, but this comopany bought my accounts that were dismissed when my bankruptcy was dismissed in 2005. The court thought that I was making too much money and denied the bankruptcy and dismissed it. The accounts are JC Penney, Sears and credit cards. Very odd though.
So you think that I am safe if I lease a vehicle this weekend and avoid them taking the vehicle that I own with title, right?

Question -- Do you presently have a car that you own outright? They cannot take the leased vehicle. But if you have another car that is paid for, they can attach any value over $1000. Basically meaning if your paid-up car is worth $10K, they can take the car and sell it for $10K, give you your $1000 exemption and keep the other $9K.

But how about if I traded-in my car, which is worth $6,000, can they still take it? By the time this is seen in court, the car is going to be long gone. All that I am going to have is the lease.
Thanks for taking your time to answer my questions.

OK, now I see. If you trade your current car, then it wouldn't be yours anymore. You are correct when you say it would be long gone before court. When the creditor goes through discovery proceedings to find out what assets you have, they can only examine your current assets -- they can't go back in time and take assets that you "used to have" before the court date.

Thats what I thought. I am going to pay them a fair amount, not the$20,000 they say that I owe, but I will pay. I just don't want to lose my car and my house has a homestead expemtion, so I know they can't take my house. Even though I think they can put a lien on it, which is OK because I am nnot planning on selling any time soon.
Thanks for your comments.

Sounds like the beginning of a plan.

I'm still trying to figure out how they got all your accounts? Usually bad debt buyers buy a package deal/thousands of accounts at a time. The probability that all 8 of your accounts were in the same package is just about as likely as winning 100 million in the lottery. It's almost like they were keeping tabs on you from the beginning, and when your BK got dismissed they went to each of your creditors and bought the accounts one at a time. Eerie, if you ask me.

Be sure to check the statute of limitations on the debts. Also check the homestead exemption in your state. Texas allows 60 days to roll money from a homestead sale into your next homestead.

I find it very eerie that they got all 8 accounts. My husband and I still a very others that they have not claimed yet, but were are not holding our breaths on that either. We will try to trade-in and lease a new one. Hopefully this will be the end of this. We will pay them in installments, if they won't accept that, then let them put a lien or judgement on our house.

OK, I was not able to lease a car, so I purchased one which is approximately $18000 in value. Does that mean that they can take my car and sell it up to $18000 and make my account PIF? The vehicle is brand new but I know how vehicles depreciate.
Anyone know how that works?