You need to pay the lender. The debt might have been discharged but the lien survived your bk. If you want a lien release (I assume you financed the purchase through GEMB - or, you owned the "watercraft" and used it as collateral to get a loan through GEMB) you have to pay the lender.
If you did a Chapter 7 you had 3 choices as it relates to this secured credtor:
1. Surrender the collateral and owe nothing;
2. Redeem the collateral by paying the lender the value of the "watercraft"; OR
3. Reaffirm the debt and continue to make the normal monthly payments.
What did your "Statement of Intention" say as it relates to this secured debt?
Des.

