Unfortunately, you did not "surrender" your house as you put it. You indicated your DESIRE or INTENT to surrender the house. Until the deed to the house is changed, you will continue to own the house.
Once the house is foreclosed, the deed will transfer ownership. However, be aware that the lender may be in no hurry to do so.
Also, you may have discharged your obligation to pay Home Owners Association fees up through the date of your bankruptcy filing. However, you are still responsible for those charges that accrue AFTER the date of filing.
You may want to contact the lender to see if they would do a deed-in-lieu-of-foreclosure.
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