i've just recently filed for a Ch 7 bankruptcy and am representing myself in (while receiving assistance from a self-help services provider with the prep of documents). this is a pretty simple, straight-forward (not married, no property or house, etc.) bankruptcy. papers have been filed, meeting or creditors scheduled, trustee assigned. question: i just rcvd a letter from one of the creditors stating that they have a "Purchase Money Security Interest" in my debt and have asked me to advise them if i have scheduled this debt to be reaffirmed (i understand this to mean exempted with me continuing to pay on this debt?), or if collateral is to be redeemed or surrendered. here is the facts: it is a Jewelry Store acct; the total debt on this acct is $3642 (of which @$1500 is interest and late fees); the $2100 was 4 purchases...2 labor charges of restoration of watches for my father aout 18mo ago before he passed away ($1200); 6 small christmas gifts from 2yrs ago (@$600); and a graduation gift @18mo ago($400). none of these items are surrenderable (labor charges or items not in my possession). should this letter be ignored; repsonded to with a "none of the above" option?
