Are you the one who filed for Chapter 7 Bankruptcy? Is your ex-husband also on the title or the mortgage loan for the house? If you filed bankruptcy, did you sign a reaffirmation agreement for your mortgage loan (I certainly hope you did not!)? Assuming that you are the one on the mortgage, the title, and who has filed bankruptcy. Your obligation to pay the mortgage loan would have been discharged unless you signed a reaffirmation agreement. The property remains titled in your name until such time as you sell it or the lender forecloses upon the home. With that, you remain responsible for ensuring compliance with code requirements shoveled sidewalks, mowed lawns, clearing away trash, etc. until such time as you are no longer the owner of record. You also remain responsible for any injuries that happen on the property as a result of negligence, so it would be wise to try to keep homeowner's insurance in place. Unfortunately, there is no good way to force the lender to foreclose. If you have only one mortgage loan it might be possible to negotiate the surrender of the deed in lieu of foreclosure in order to hasten the process along.
Answered on Apr 14th, 2014 at 5:02 PM