How long does a Creditor have to collect collateral after a bankruptcy?

Question

I filed bankruptcy over 2 years ago and now one of the creditors is trying to reposes the property that I originally had a loan out on. I originally made an oral agreement to make payments on the colateral with the company (never in writing), and did for a few months, but I asked for them to send me an invoice or bill in the mail multiple times to make things easier on my end. Long story short they never sent me a bill or invoice and I lost their address and havent made a payment on the colateral for 1 and a half years now. They never sent me a letter asking for payment, or phone call or any type of contact; then today 1 and a half years later they are telling me to set up arrangements to pick up the collateral. Can they do that, or is there some law that says when you snooze after 1 and a half years you loose?

Answer 1

If you never signed a reaffirmation agreement when you did your bankruptcy this account should show as dismissed in your BK papers.

Find them and check, if this is true, they can't touch your property.