As per my attorney's advice, I didn't sign a reaffirmation agreement. I simply stated "pay and retain" and have been making my regular payments faithfully. My BK discharged a few months ago. My financial circumstances have improved, but my car's condition hasn't and I'd like to buy a new car without trading my old one in as I am upside down. Am I correct in assuming I can allow the lender to take my car and, because the debt was listed in by BK, this action cannot negatively impact my credit?