Who is responsible for the house after bankruptcy?

Question

I have filed Chapter 7 bankruptcy and been given a discharge. In the filing, I surrendered the house. I am still living in the house because the house has not been foreclosed on yet. The homeowners insurance will expire in another couple of weeks. If the house is not foreclosed on, even though I surrendered it in the bankruptcy filing, who is responsible if something should happen to the house or if someone gets hurt on the property after the homeowners insurance expires? In other words, do I have any further legal responsbility concerning this house now that I have a Chapter 7 discharge?

Answer 1

You are still the owner of record until the foreclosure so you are liable if anything happens before the foreclosure.  I'd suggest getting new insurance for the place when the current one runs out.