It's my understanding that a bankruptcy only protects you against collections actions (suits, garnishments, judgments, etc.)....it does not entitle you to a clean credit record. If the loan is secured only with the mobile home, then yes....you can walk away, they can repossess the home, but they cannot sue you for the deficiency after sale. They can, I believe, update the credit report to show that you no longer possess the collateral, but the record should show a 0 balance owed. If the loan is also secured by the land on which the home sits, they will need to foreclose.
Since your Ch 7 has, I assume, already discharged, you should consult a local bankruptcy attorney (perhaps the one that filed your petition) before doing ANYTHING. I'm not familiar with the new laws....you need to be sure that this new deficiency debt will not be regarded as a post-discharge debt since your original schedule must have indicated that you intended to reaffirm the debt, keep the home and continue paying this particular creditor.
Don't just take the word of the loan officer, or me, that you can walk away scott free......talk to your lawyer.

