I filed bankruptcy a year ago and did not reaffirm my car loan. can i let them repossess the car now ?

Yes, you can let them repossess your vehicle and you will owe no further obligation to them.  It should not hurt your credit as the debt was already discharged (assuming you received a discharge). Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.