When I initially filed for BK back in May, I indicated to my attorney that I wanted to reaffirm my vehicle. However, in July about a month prior to my discharge I changed my mind, and my attorney sent my bank a letter stating that I opted to voluntarily surrender my vehicle, which I did about a week or two later (though the repo guy was erroneously told it was involuntary, but that's another story 
). Anyhow, fast forward to today, about two months after discharge and closing, and I get a certified letter from the bank stating that they will be selling my vehicle at an auction, it would cost $XXXX to reinstate note/sale contract or $XXXX to redeem collateral, blah blah etc. Is this something that I need to be concerned with? Isn't the deficiency supposed to be included with the BK discharge? Thanks again for all the help 
). Anyhow, fast forward to today, about two months after discharge and closing, and I get a certified letter from the bank stating that they will be selling my vehicle at an auction, it would cost $XXXX to reinstate note/sale contract or $XXXX to redeem collateral, blah blah etc. Is this something that I need to be concerned with? Isn't the deficiency supposed to be included with the BK discharge? Thanks again for all the help