In addition to the advice below, you need to look at your bankruptcy documents and maybe even contact your old bankruptcy attorney, or a new one. Was the house actually administered through the bankruptcy proceeding or did the trustee abandon the house out of the estate (which means that it came back to you and your husband and I believe that you then needed to deal with its disposition).
Too often people think that Bankruptcy will handle their mortgage issues, either by letting them stay in the house and paying lower payments, or by dealing with the upside down house for them. Unfortunately, bankruptcy was mainly designed to deal with unsecured debt. You really need to seek some legal, bankruptcy specific, advice on this. If you need a referral, let me know. I know several good BK attorneys and would be happy to pass their names on to you. Good luck.
Shel-lee Davis, QSCÂ®
Certified Distressed Property Expert â€“ CDPEÂ®
Short Sale & Foreclosure Resource â€“ SFRÂ®
Certified HAFA Specialist â€“ CHSÂ®
Your Real Estate Consultant for Life
RE/MAX Palos Verdes Realty