I filed a Ch. 7 3 years ago after some massive medical bills and as most know had to list every creditor I had, vehicle, credit cards, etc. I kept one visa that I had before the bk, and still have it. I never signed a re-affirmation agreement of any kind and the account was discharged in the bk. I just kept paying on it and using it as I always had. Currently the credit union it is issued through is irritating me with some new games it is playing. What I want to know is being it was discharged, and no re-affirmation agreement ever signed or filed, is there any liability on my part or anything they can do to me in civil court if I just walk away from it? Thanks for any feedback you may offer.