Our Chapter 7 was discharged in May '05. We never signed a reaffirmation agreement for (2) vehicles we had previously financed with Ford Motor Credit. We have been making the monthly payments on both cars since filing. Neither vehicle is being reported to the (3) credit bureaus since we filed and our credit reports show both auto loans as "included in bankruptcy." We are interested in turning in one of the cars back over to Ford as a "voluntary repo." If we do this, can Ford come after us for any damages or are we protected under the Chapter 7 and the fact that this debt is included in the bankruptcy? How do we turn the vehicle back over to Ford? Thank you for any assistance.