My bankrupcy was discharged 18 months ago. It included both 1st and 2nd mortgages -with different banks. The banks have not started foreclosure not appear to intend it any time soon. I want to leave the property but I am afraid of the liabilities and want to get rid of the expenses such as HOA, liabilities, etc.
You cannot force a lender to foreclose on your or anyone else's schedule, and continuing to pay HOA fees under the circumstances you describe seems pointless. While the banks are not required to accept it, you could consider recording and mailing them a "deed in lieu" with the keys, and moving out. This assumes there is no equity in the property. You should consult with local counsel before making your decision.
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Mr. Miller is correct. Another option may be to find a potential purchaser for the property, or someone who would go through a short sale.