I have secured debt using tvs , lawn mowers, etc with 3 financial companies for loans. I can not pay them, I have not made a payment for 45 or more days, I feel terrible about not keeping my obligations, and I decided not to file a bankruptcy.I hired what I thought was a debt consolidation company. They do have an A plus rating with the BBB. I recently found out that they do not deal with my creditors but will deal with the debt collection agencies if the debt is turned over to them. I live in Pennsylvania and my internet search shows that the finance companies do have a legal right to obtain my household personal property. The loans are between $1000 and $6500. In your opinion do companies like Springleaf, and Regency Finance take debtors to court to be able to take their tvs, etc?