we moved out about 21/2 yrs ago thinking the house was auctioned off and we no longer owned it. about 3mos. age we received letters from a mortgage co. telling us they now own our mortgage. we never received any information that we still owned it in the last 2 /12 yrs. please tell me if we can file bankruptcy on the 2 mortgages on this house or do we have to wait a certain amount time because of the ch.13 filed in 12/07 i just feel like killing myself. also what will some thing like this cost to do?