How do we re assume our home loan? 1 Answers as of February 17, 2012

Our home loan was not re-assumed after our Chap7 bankruptcy, we wanted to re-assume. What are my options? Walk/re-fi/keep paying and hope they don't increase the payment amount once we have equity? I tried calling the mortgage company but they are too worried about who is responsible for failing to re-assume. With the housing market, we are about 40K underwater. Will it hurt my credit if I walk? It sounds like the house is not in my name now, due to the re-assume form. I would have been happy to re-file and keep the house (even being 40K under). Thank you.