when bankruptcy was filed no affirmation was done on the home who owns the home, the bank or the homeowner?

You're confusing several different concepts here.  With the exception noted below, title to property, including real estate, does not change when you file a bankruptcy case.    When you say "affirmation" I'm assuming you meant "reaffirmation."  Reaffirmation agreements take DEBTS outside the bankruptcy case and render them not discharged.  That has absolutely nothing to do with title to the property.  Moreover, there is no requirement that you do a reaffirmation agreement on a mortgage debt. When you file a Chapter 7 case, the bankruptcy trustee takes over ownership of all your assets until he/she either decides to sell the assets, or give them back to you.  If there was no equity in your property, then most likely the Trustee did not sell your property.   If the Trustee did not sell your property, then you still own it, unless of course the mortgage lender(s) foreclosed. Of course it's legal for the Bank to accept your payments on the mortgage.  That's the only way you can legally remain in the property without them selling it through foreclosure. I recently wrote an article on what happens to mortgage debts after bankruptcy; you may wish to read that for  more details on this issue. 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.