The way that I understand it, as long as you are legally on title to the property you are responsible for the upkeep, HOA dues, homeowner's insurance and other obligations that "run with the land". Until the lender forecloses you will remain on title. There is really no way to force a lender to foreclose on a property. Bankruptcy does not relieve you of continued obligations after discharge.
This is why I personally feel that that it is prudent to remain in your home rather that abandon it. It allows for the homeowner to save needed money and monitor the condition of the property until the bank finally completes a proper foreclosure action.
Please do not confuse my answer with professional legal advice. Seek the counsel of a qualified real estate attorney for further recommendations.
Diane Wheatley, Broker
Rocky G.H. Hawrysz
Prudential California Realty
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