We declared ch. 7 in 2008,and discharged our debts,except for my 2001 motorcycle. the lender never told us or our attorney that they wanted to reaffirm the debt,or have me surrender it. When I asked him about it ,our attorney said that they held the lien,so I couldn't sell it,but that I didn't owe anything on it either. We had absolutely no contact by letter or phone call for almost 4.5 years,then "out of the blue" I received a call from a repo agent asking if I still had the cycle,and if so,that the lender wanted it picked up. I told him I believed this to be a mistake,and that I would contact the institution. I did so,and after discussing a settlement with them to keep the bike,they told me I would have to pay 5000 to keep it or they would take it. I told them that trade on it in good condition according to 5 local dealers was between 2200 to 2400..retail 3700 but this bike is not in good condition... I agreed in person to pay 100,which I did,then 400 2 weeks later,which I did not,instead consulting an attorney who told me not to pay,but to see how this showed up 4.5 years later. The lender told me it had "slipped through the cracks" but if I wasn't willing to pay 5000 for it she would put it up for repo again. I'm wondering if the statute of limitations may apply here. I just received a call on my cell today from another repo agent wanting to pick up the bike. I didn't answer the call, but I would like to know what avenues I can pursue....thanks