Section 722 of the Bankruptcy Code provides:
An individual debtor may, whether or not the debtor has waived the right to redeem under this section, redeem tangible personal property intended primarily for personal, family, or household use, from a lien securing a dischargeable consumer debt, if such property is exempted under section 522 of this title or has been abandoned under section 554 of this title, by paying the holder of such lien the amount of the allowed secured claim of such holder that is secured by such lien in full at the time of redemption.
What this means is that if you have property on which a creditor holds a security, you can retain the property by paying the secured creditor the amount of the lien or a negotiated amount.
If you have property that you are concerned about retaining through the bankruptcy process, you should talk to an attorney.