I no longer have the property. It was sold to pay bills many months before filing my bankruptcy. The jeweler/creditor is asking that I either 1) return the property (impossible since I don't have it), 2) pay a lump sum settlement, or 3) accept a new payment plan to pay off the debt.
The jeweler is threatening to sue for recovery of possession of the property if I do not agree to one of their options.
What are my rights and options?