A secured debt is a loan “secured” with a lien on something. An example of a secured loan is a car purchase. When you finance a car you receive a copy of the title from the Department of Motor Vehicles.
Right on the face of the title you will see the lien holder. The example below shows none. This means the car is free and clear of liens.
Secured creditors usually retain their lien even after the bankruptcy discharge. This means they retain the right to repossess or foreclose on the property that is the collateral for the loan.
This means if you want to keep your car, truck or house you will need to continue to make the payments to the secured creditor.