CUDAHY, Circuit Judge.
The debtor, Judy Emely Edwards, filed for bankruptcy under Chapter 7, but wanted to continue paying off the installment loans secured by two cars without reaffirming the debts and thus without continuing to be personally liable on the loans. The question presented by this case is, therefore, whether the options of surrender, redemption or reaffirmation provided in 11 U.S.C. § 521 are exclusive or whether a debtor may retain secured property...
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