My question involves bankruptcy in the state of: Michigan
My wife and I filed for Chapter 7 bankruptcy in April 2008, discharged in July 2008. Our house was surrendered to the creditors at that time. Neither the 1st or 2nd mortgage lender has taken possession of the property leaving it vacant for almost two years. We still receive statements from the first mortgage lender at our new address showing an ever climbing balance due with penalties and interest being added each month.
I am told that after three years after the transfer of the property we are eligible to purchase a new home which should be next August, however since the lenders have not taken possession of the property we have lost two years and who knows how much more since they seem to be in no hurry.
What recourse do we have against the lenders and/or what action should we take to resolve this issue?
Thank you!

