What are my responsibilities if I surrendered my home, filed bankruptcy 01/2013, and now in foreclosure? 4 Answers as of October 04, 2013

I do not have a HOA. I have moved out of county.

Ask a Local Attorney. 100% Anonymous. Free Answers.

Free Case Evaluation by a Local Lawyer: Click here
Joseph Lehn, Esq
Joseph Lehn, Esq | Lehn Law, PA
If the home was surrendered and the debt was listed in the bankruptcy, you have no personal obligation to the debt. The mortgage company is proceeding with the foreclosure to obtain rightful possession of the collateral of the loan, the house. The foreclose sale will be scheduled at which time you will no longer be owner of the property and will have no further responsibility for said property.
Answer Applies to: Florida
Replied: 10/4/2013
Stephens Gourley & Bywater | David A. Stephens
Assuming you were discharge in the bankruptcy you do not have any responsibilities. The bank is foreclosing to obtain title to the property.
Answer Applies to: Nevada
Replied: 10/3/2013
Janke Legal Consulting | Bruce C. Janke
There should be no responsibilities. But instead of just walking away, I urge you to try to negotiate a "cash for keys" deal with the lender. Many banks are willing to pay moving expenses or other cash settlements in exchange for the borrower signing a deed for the property to the bank. This saves the bank the time and expense of foreclosure and eviction.
Answer Applies to: California
Replied: 10/2/2013
The Law Office of Darren Aronow, PC
The Law Office of Darren Aronow, PC | Darren Aronow
You are no longer liable for the debt but as owner can still be liable if for example, someone slipped and was hurt on your property.
Answer Applies to: New York
Replied: 10/2/2013
Click to View More Answers: