You should retain an attorney to help you. The fact is, a bankruptcy may discharge the debt but does not eliminate a security interest in property; if there is a security interest, then the creditor may foreclose or repossess unless the debtor continues paying or comes to some arrangement with the creditor. The bankruptcy limits the creditors options to foreclosure/repossession--the creditor cannot also or instead sue the debtor for the money--but it still allows that remedy.