If bankruptcy didn't reaffirm my home, can I still walk away anytime?

The following answer applies to California jurisdiction only. I don't know of any local bankruptcy attorney who would condone or suggest to a client that they reaffirm a mortgage debt. It is not in your best interest to do that so the fact that you did not reaffirm is not a bad thing. If at some point you can't afford to make the payments anymore because you have filed and received a discharge in bankruptcy AND because you have NOT reaffirmed the debt you can walk away from the property. The only remedy the creditor(s) have is to take the property, they cannot sue you for any deficiency or attempt to collect from you. The protection of the bankruptcy discharge makes any such collections illegal. A loan modification, should you get one, would not change this result. Refinancing however would because when you refinance you get a new loan and in your case it would be a loan acquired after the bankruptcy had already been filed. Hope this perspective helps. Take care.

That is correct. If you did not reaffirm the debt secured by your house, you can walk away (and the bank cannot call a default and try to evict you as long as you are current on your house). This often leads the banks holding the note against a house not to report the monthly payments you are making it seems to be a strategy to force you to reaffirm, but Courts have ruled that they are not wrong in not reporting the payments.

When you where discharged bank in 2009 without reaffirming your mortgage, you ceased to be personally liable on the mortgage. The mortgage remains as a lien on your house. So you can walk away without personal liability but the bank could take the house.

Nothing to do. Yes, you can walk away from the home.

Although your bankruptcy left you in the position where all the lender can do to you is foreclose, homeownership comes with additional responsibilities after a bankruptcy ends, and those ongoing responsibilities cannot be avoided by your bankruptcy. For example, property taxes, HOA dues, community maintenance requirements, property liability.

The answer is 'probably yes.' (Although a resourceful lender's lawyer could come up with some useful arguments). Of course, the longer you stay in the house and the more money you put into it, the less likely you are to want to surrender the real estate. Good Luck.

In Texas, you can walk away at any time because of our constitution. You have no personal liability on the loan. That is why you cannot reaffirm a home mortgage in Texas. Reaffirmation means accepting personal liability for the mortgage and agreeing that you will not walk away in the future.