Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Do I have to answer a letter a creditor sent to my bankruptcy atty in regards to my acct ? - I had my hearing so far this particular creditor hasn't filed a claim but their atty sent my atty a letter asking me what my intentions are from the 3 choices listed pay for everything/offer a lump sum cash payment/surrender what was bought. Atty just tells me to add up what I think things are worth & offer it. I want to know all options I may have in this matter. -