Filed CH7 and moved out of old house. Need to get it out of our name.

Filed CH7 (included house in our CH7 BK - letting it go) and moved out of old house. Need to get old house out of our name. House has been sitting empty for 5 months! And I feel responsible for house....

Is there anything I can do to get it out of my name immed?
Send the keys back???? Deed in Lieu?

I have 1st and 2nd with same mtg company....
I talked to my atty's paralegal and he said "it has to still go through the foreclosure process - which is about 4 months in CA".

I don't know what to do as I cannot afford liability coverage on the home and am concerned about stuff like the lawn drying up and becoming a "fire hazard" and then having the city fine me for not doing anything - or a kid getting hurt on the property - or whatever?? Basic liability stuff.

Any help will be greatly appreciated.

thanks, techno

I talked to my Insurance Company. Did you have your insurance in with your loan? Usually the payment is for principal, interest, taxes, and insurance. I asked my Insurance company a similar Question when I was considering FC and they said they took the insurance in advance, so I was paid through the year, and to tell them when it was done and I would even get a refund.

The people I talked to at the Insurance company were very sympathetic, and also did not want the house hurt, so I should think calling them and asking up front would be an option.

my homeowners insurance is seperate from the mortgage payment....

I stopped paying both a few months ago - then my mortgage company "forced" structure insurance on the home (because I stopped paying my homeowners ins), not liabilty ins.....(of course, they are protecting only themselves)

hope i made sense...


techno









I talked to my Insurance Company. Did you have your insurance in with your loan? Usually the payment is for principal, interest, taxes, and insurance. I asked my Insurance company a similar Question when I was considering FC and they said they took the insurance in advance, so I was paid through the year, and to tell them when it was done and I would even get a refund.

The people I talked to at the Insurance company were very sympathetic, and also did not want the house hurt, so I should think calling them and asking up front would be an option.

sounds similar to my situation... i myself got chapt 7 discharged yet later bank bought the house on auction to resell. who knew?
they posted exact balance i owed in my credit report even after bk discharged saying, unless they sell, they wont remove that balance i owe, and wont remove my name at county land record as the owner.

how is this possible even after chapter 7?