Unfortunately, you have 3 options:
1. Surrender the house as part of your chapter 13 bankruptcy;
2. Do a short sale; or
3. Continue to live there and make the payments.
Perhaps a family member with better credit will co-sign on a rental for you? I know a lot of landlords, with a higher deposit, will rent to you under the circumstances you outlined.
In my opinion, you are in Chapter 13 to get a fresh start so why keep the house anchored around your neck?
Jack Gillis, M.B.A., J.D. â”‚ RealtorÂ®
Jack Gillis Realty Advisors
United Real Estate, Broker
5430 LBJ Freeway | Suite 280
Dallas, TX 75240