Under normal circumstances, a secured creditor may take many steps up to and including repossession in order to protect their collateral without approval from any court.  However, when a person is under bankruptcy protection, an Automatic Stay is in effect.  An Automatic Stay, in essence, stops creditors from taking further collection activity against the debtor.  A creditor must cease ALL contact with the debtor once they have received notice from the Bankruptcy Court that the Automatic Stay is in effect.  Furthermore, should a creditor wish to repossess the collateral, they must first petition the court with what is called a Motion to Lift Automatic Stay which if granted gives the creditor the right to repossess.  However, a creditor must show "cause" to the court that the motion should be granted.  Your attorney can discuss what may constitute "cause".