We filed chapter 7 five years ago and our car was never repo'd. I called the lender several times over the years and they show no interest in picking it up. I want to offer them a settlement to try and retrieve the title. Do you think they will settle with the person that defaulted on the loan for what the car is now actually worth at auction? If not, is there anything I can do to get the title since they have basically abandoned the vehicle. I know they can't sue or collect on it since the bankruptcy was discharged but they could take it whenever they want. I just either want to be able to drive it, or for it to be gone. If they turn me down and still don't repo it what course of action can I take?