removing my name off title after giving home back to mortgage co

What makes you think you no longer legally own the property?  If you filed a Chapter 7 case and received a discharge and your case was closed without the Chapter 7 Trustee liquidating any assets (such as your property), then you still own it unless and until it is sold--either through a foreclosure or other sale. You are responsible for "keep up" fees as well as for any injuries which may occur on the property, so it's important to maintain your insurance until the property is actually sold. Your facts are unclear, but if what you're saying is that your mortgage lender has not yet foreclosed, then you should take steps to expedite that, such as offering to do a deed in lieu of foreclosure. 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.