Ok, now that I am a paying member, there is something I was wanting to ask in hopes that someone would have some good legal advice. I am in possesion of a 1997 Dodge truck that I had for a work truck for several years. Last October, I had filed for chapter 7 bankruptcy (just before the rule changes). Included in the stuff that I agreed to "surrender" was this truck. Well they never came got it. Before I my actual court date, I had talked to the bank and they wanted me to bring the truck down and drop it off, but I said that I would wait for official paper work to arrive or they could just come get it from my place. Well, no paper work and its still here. A several months ago I recieved a statement claiming that they were dropping insurance from the account. Thing is they know where I live. Then a few months ago I received a statement saying that the account was "charged off". Is it safe to assume that they willl never come get it? Anyway I can own it legally? Was thinking of tradeing it without the title for a '91 burban.