We are in the process of filing for chapter 7 next week and Dell will be listed as one of our creditors (debt is a little under 1K). Yesterday the paralegal working on our case mentioned that we may want to reaffirm that debit after we file (even though it is unsecured) or they might come take our computers (which are a 1 year old netbook that is my daughter's and a laptop that is about 2 or so years old now). Should we just take the gamble they won't come after the computers or reaffirm? Any help would be appreciated.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.