I had a BK discharge in June of last year. I decided to keep my home and continue making the payments. During the BK filing , I actually applied for a loan mod and was declined as soon as I assigned a discharge. So, time passes on, now I get a letter from the bank stating the chap 7 released me from the loan liability , but the lien is still valid and enforceable on my property. The bank wants me to call them to establish payment arrangements. I don't know if I have negotiating power with the bank or I am at their mercy to accept their terms , i.e. higher interest rate, short sale deed in lieu? What do I do? Who do I talk to?