Late last month, the company that operates the Spiegel and Newport News women’s clothing catalogs filed for bankruptcy. There’s some very interesting background questions about why the company is bankrupt for the second time in eight years and why it’s being sold to an affiliate of its parent company. But that’s not what reader Angela is concerned about. She returned some merchandise to the catalog that she paid for with her store credit account. She sent it back several months ago, and still insist that she pay for it. This is not a practical way to get out of Chapter 11.