Legal Question in Bankruptcy in California

Since you're in San Bernardino County, you're in the Central District of California Bankruptcy Court and in this district, the reaffirmation and motion for approval have to be filed with the court within 60 days after the creditors meeting if you're not represented by an attorney. You have to serve the creditor with notice of the hearing. As far as reaffirming on a Dell computer or a Best Buy item, that's only if they hold security liens on the item due to your financing of the purchases with them. But, reaffirmation is always optional for the debtor, you don't have to do it, and the creditors continue to have their rights over the items under the original agreements with you.