Non-reaffirmed !st mortgage and HELOC accts. Both show a zero balance

If they were discharged in your chapter 7 bankruptcy case, then you will not owe anything further on them no matter what you do.  However, until the property is actually sold (either through foreclosure, short sale, or otherwise), you are liable for any violations of city ordinances or liability if someone gets injured on the property, so you need to be sure to maintain adequate insurance until the property is sold, and make sure the property is "kept up" in accordance with regulations until it is sold.   If there is a Homeowners' Association involved, that's another issue that must be dealt with since you will be liable for HOA fees up until you no longer occupy the premises at least (you need to make sure the HOA has the keys and knows you're no longer living there).   Mark J. Markus, Attorney at LawCertified Bankruptcy Law Specialist--State Bar of California Board of Legal SpecializationHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/Follow Me on Twitter:  @bklawr