My spouse and I filed Chapter 7 bankruptcy. We intended to reaffirm our mortgage, but did not do so due to a mistake by our lawyer. We were told that to reaffirm we would have to reopen the bankruptcy case, and chose not to do that. Instead we kept making payments and stayed in the house.
Now we have changed our minds and want to return the house to the bank. We're upside-down so there's no equity to recover. How do we return the house, and what are the consequences?

