The facts: I filed for chapter 7 which was discharged in 12/2009. My wife wasn't included in the bankruptcy. Our mortgage was not reaffirmed. Both my wife and I are on the title and we were both on the loan. My obligation under the loan was of course discharged with the bankruptcy. We continued to make our mortgage payments on time and also had the mortgage modified in 2011. Is it possible to remove me from the title i.e. leave only my wife on the title? The bank has offered us the option of deed in lieu of foreclosure. However, I will not be able to qualify for a conforming mortge for up to 3 years from transfer of title to the bank under that scenario, which is what I'm trying to avoid. Thanks so much for the advice.