I had to file bankruptcy after the death of my husband. I was unable to keep the house and surrendered it in chapter 7. The home was in disrepair mainly because of flooding 3 times in bottom level and heavy black mold (pre-existing structural defect not covered by insurance because of run off water) and other problems. I moved during my bankruptcy. My case is closed now but during the time the house has been unoccupied it also became vandalized. I also had to leave things behind that were damaged and really did not have the help or finances I needed to remove the stuff. The vandals ran through the front yard fence with a vehicle I presume, broke in the house and trashed it. Its pretty bad. I was not able to check on the house often and had not heard anything at all from mortgage company. I had one problem after another after my husband died. I was trying to find a way to go back and clean out the rest of my belongings before I had to turn over the keys but also was afraid of the mold downstairs. Now I go and find its vandalized. My bankruptcy case is closed. Haven't received phone calls or letters from mortgage company yet. How do I proceed now?
If you surrendered the house in the bankruptcy, you no longer own it and no longer have responsibility for securing it.
You have to make arrangements with the lender to retrieve your things.
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