[Looking_for_911]

I know that in Alabama bankruptcy filers don't get to keep everything without reaffirming debts. The cars, boats and other toys are usually repossessed long before they get to bankruptcy court. That's why it's so easy to buy those things on credit, even bad credit, 'cause they can be taken back by the creditor.
I know of one case where a representative from Sears showed up to court to demand the television they sold on credit to a Chapter 7 filer. The filer reaffirmed the debt. Our electric company, Alabama Power, will also show up to take back air conditioners and other appliances they sell on credit as will other creditors, ie: Discover card (part of Sears, or was) It's usually the "second tier" finance companies that really go after the stuff.
The instance I mentioned above was about 8 or 9 years ago, I imagine they're much more viligant in going after their stuff now since the economy has tanked.
Since the sweeping overhaul in bankruptcy laws took place I'd bet it's tougher now.
I'll have to ask my finace' for clarifications.