Why would you assume you no longer own your house? Bankruptcy does not alter the title on your home. Until it is sold, you own it and are responsible for any violations of city or state ordinances.
Have you sold your house? Did the Trustee in your bankruptcy sell your house (assuming it was a Chapter 7 bankruptcy case)? Has your mortgage lender foreclosed yet? If no to all of these, then you still own it.
If you haven't been making the mortgage payments and your lender is refusing to foreclose, then you have a dilemma and a lot of people are facing this in this unusual market. The best suggestion I have is to try to somehow sell the property, either through a short sale or some other means, or find someone who is willing to simply take over the property and you can just quitclaim it to them (but you should discuss this with a real estate attorney in your area, as well as your accountant, before doing anything).
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.
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