Under Chapter 7 bankruptcy rules secured obligations, e.g., home mortgage loans and auto credit, are usually still subject to being repaid by the bankrupt consumer. If not, the property can be repossessed.

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In Chapter 7 bankruptcy, while many unsecured debts can be discharged, secured debts like home mortgages and auto loans are typically not discharged. If the debtor does not continue to make payments on these secured obligations, the creditor has the right to repossess the property securing the loan.

Under Chapter 7 Bankruptcy Rules Secured Obligations, E