what if one of your creditor is in the same state as you?

I have a overdraft protection, a credit card, and a personal
firstline all with the same bank. The bank is in the same city I live
in. Does this mean I cannot discharge my debt with them? What if they
show up to the 341 meeting (I think thats what its called)? What does
that mean if a creditor shows up? And what does reaffirm mean? If I
want to keep my computer that I'm making monthly payments on, does
that mean I have to "reaffirm" it? I'm going nuts.

Nina