Quote Quoting tryingStephanie
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Thanks for the suggestion, but I couldn't bring myself to do that as is seems like vandalism to me because it belongs to them not me.
Yes, you do have a duty to preserve the item.

I know this puts you in an inconvenient position. Bankruptcy prohibits the lender from pursuing the debt. But it doesn't obligate the lender to raise a finger to make things easy on you.