I would contact your BK attorney and ask him to contact the lender on your behalf. Typically there are forms that need to be completed in order to reaffirm. If the debt was discharged in the BK already you may be able to renegotiate the terms. Also if the debt as discharged that may be why they are not crediting your payments with the credit bureaus. There may be no active account left to report on.
You should contact a local attorney as soon as possible to review all of the deeds and plans on record as well as the survey you have had done. This could turn into a serious problem during your sale and could either postpone or prevent a sale. If the fence was in place prior to you purchasing the property you may want to contact your title insurance carrier if you purchased owners title insurance.
The first thing to check is to see how your deed was drafted. Did you take title as "joint tenants with rights of survivorship" if so the house would transfer directly to you upon the passing of your wife. If the house was in her name alone or if you owned the property as "tenants in common" the property will have to go through the probate process whereby all of your wife's debts would get paid out of her estate.
Once the house is foreclosed upon you effectively become a tenant and the new owner must evict you just as they would any other tenant. This requires proper notice under the statute and then if you choose to request one, a hearing in the district court.
I would absolutely contact an attorney in your area. If this was a construction loan that you took out it would be unusual in my experience that the lender would disburse monies without your consent and certainly without an inspection to confirm work was complete. There may have been a breach of the banks fiduciary relationship to you as well. A real estate attorney in your area should be able to let you know relatively quickly whether or not you have a cause of action.
This is not meant...
I would suggest looking at the terms of your lease. That is typically the agreement that would dictate the terms of your occupancy. If the lease does not state that you cannot have a pet you may want to contact an attorney in your area.
You should get counsel here in NH. The will must be probated and the executor of the estate will be mandated to distribute the contents of the estate per the terms of the will. The Court will oversea this and ensure that all parties get what is bequeathed to them under the terms of the will. First thing first though, the Will must be probated and an executor named by the Court.
I cannot comment on the legitimacy of the Landlord, however if you sign a lease and record it at the appropriate County Registry of Deeds then a subsequent buyer will buy the property subject to the terms of your lease.
This is not meant to create an attorney client relationship. You should seek independant counsel.
You should look at NH RSA 540:A. This is the law specific to security deposits. Typically security deposits can only be used for repair or cleaning of the premise, not for back rent or loss of rent. That is not to say that you may not have some other legal liability for breaking the lease, but typically they cannot keep your security deposit as a result.
You are still a tenant under the law and the new owner would have to comply with the States eviction proceedings and Statutes governing Landlord Tenant issues. There is a very detailed method with which a landlord must proceed before being able to force a tenant out of property.