Raw LLM Responses

Check your bankruptcy paperwork. Look on the secured creditors page. Your attorney should have listed the creditor as a regular debt that you wanted to surrender and it would have been wiped away in the bankruptcy. It is correct that the creditor could not show up to take the car right away during the bankruptcy without getting permission (filing a separate motion). But they could have certainly done that - it happens every day. Or your attorney could have negotiated the return with your permission. It's weird that the creditor never followed up. Perhaps you kept paying and the creditor got confused? If you did *not* list the car as a surrender in the bankruptcy, then you would indeed be responsible for the debt and you will want to stay on the creditor's good side. Edit: I guess the important thing here is whether you listed that you wanted to keep or surrender the car during the bankruptcy.