My husband an I filed bankruptcy 1yr. ago. We had a loan with our credit union, with our truck as collateral. Our loan has been paid off but they refuse to give us the title back. We also owe a visa card with them. Someone told my husband when it was paid off they would return our title. Can they do this? The visa was a unsecured loan. How can they hold our title, when the loan is paid? Is this legal?