If the creditor is a secured creditor and has a validly perfected lien against collateral, then that lien survives (meaning, it is not affected by) your bankruptcy discharge.   If this was a department store purchase, such as Best Buy or HSBC, they are most likely secured and are entitled to the fair market value of the item.  You ought to be able to negotiate a very low payoff with them, or you can simply surrender it with no further obligation.Mark J. Markus, Attorney at LawCertified Bankruptcy Law Specialist--State Bar of California Board of Legal SpecializationHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/Follow Me on Twitter:  @bklawr