I'm not sure what you mean by "protected."   If in fact you reaffirmed the loan (which is usually a VERY bad idea), then you took the vehicle out of the bankruptcy discharge and created a new debt for which you are liable.  If this wasn't explained to you by your attorney or the bankruptcy judge, one of them didn't do their job. If you turn in your car, you are liable for whatever the deficiency balance is after it is sold.Mark J. Markus, Attorney at LawHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/bankruptcy blog: http://bklaw.com/bankruptcy-blog/Follow Me on Twitter:  @bklawr