As long as you didn't have a reaffirmation approved by the bankruptcy court, you no longer have personal responsibility to the bank to make the payments. As long as you keep the vehicle, you must maintain insurance, but once you return the truck, your responsibility to it ends due to your bankruptcy discharge. Hope this perspective helps!
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Generally speaking, if a Chapter 7 debtor does not sign a reaffirmation agreement, then said debtor is not responsible for that debt. I would advise you to contact the attorney who filed your case and confirm that you did not file a reaffirmation agreement. Better safe than sorry.
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