A tricky situation...
I suggest considering a letter to the bankruptcy Trustee advising that if an amended return is filed an additional refund of $X,xxx will be likely, before the costs of amending, and inquiring if the bankruptcy Trustee wants to reopen the bankruptcy estate.
The form is B-22A,
Here is the qualifying language/checkbox on the form:
Part II. CALCULATION OF MONTHLY INCOME FOR § 707(b)(7) EXCLUSION
"Married, not filing jointly, with declaration of separate households. By checking this box, debtor declares under penalty of perjury: “My spouse and I are legally separated under applicable non-bankruptcy law or my spouse and I are living apart other than for the purpose of evading the requirements of § 707(b)(2)(A) of the Bankruptcy Code.”
If you did not reaffirm, only the lien remained upon which the Lender has the right to foreclose.
It is common for the lien to be calculated on the basis of the loan (with interest), even if that loan was discharged in the bankruptcy.