My question involves bankruptcy in the state of: Texas
My husband and I filed for bankruptcy last fall, and it is now finalized. There were several factors in our decision. One, we wanted to move out of our condo and put it on the market. We did move out (and in with friends), but found out we would not be able to sell it due to foundation issues. Our HOA is in charge of fixing foundation problems, but they refused to do so, even after an engineer (they hired) told them it was necessary. We were unable to keep up with our mortgage payments and HOA dues (330/month) due to me being unable to work because of an illness. Therefore, we filed a chapter 7. Now, the bank does not want to let us sign the deed back over, but wants to go through the foreclosure process. This is my question...can they come back and ask for the difference between what we owed and what they get for the property? Also, our attorney advised us to cancel the insurance and stop paying the HOA dues last fall. Is this a problem? I don't want to be sued, and don't want this to be any more trouble than it's already been. I have asked my attorney these questions, but I sometimes feel I'm not getting a straight answer. Thanks.