Assuming you owned the house and you are the bankrupt debtor, it varies from state to state and lender to lender. If you surrendered the house, you should turn the keys over to the lender's attorney. Even if you do that, you may find yourself still getting the real estate tax bills, water and sewer bills, etc. If the lender or someone else has not purchased the house at auction, you may be able to stay for quite a while. Talk to your bankruptcy lawyer about it.
You are normally allowed to keep the house you are living in and one car in a bankruptcy.
Filing for bankruptcy may enable you to recover your house from foreclosure. However the bankruptcy would entail dealing with your entire debt situation, not just the house.
Yes, 3 years after discharge of the Bankruptcy.
If you are surrendering your house anyways, it is usually better for your credit score if you do it through bankruptcy. If your house is foreclosed on before you file bankruptcy, then your credit score is hit by both the foreclosure and the bankruptcy. If you let your house go back through bankruptcy, instead, then your credit score is only hit by a bankruptcy.
No.
That decision is made by the lender not the bankruptcy court.
Yes. in support with your bankruptcy lawyers experts.
No.
Yes, I have a relative that has.
If you filed for bankruptcy and the title company knows about it, then you cannot sell your house. Your title is not free and clear so a buyer could not purchase. It also depends on the bankruptcy, you should talk to your lawyer.
Whether you can keep your house and car depend on how much equity is in your house and car and the available bankruptcy exemptions within your state. If the bankruptcy exemptions allow you to protect the equity in these assets then you should be able to keep them in bankruptcy.
If you have filed bankruptcy because you cannot afford to pay your debts, a lender will not loan you money to purchase a house and it just doesn't make sense. You cannot continue to acquire assets while your assets are frozen and in the possession of the trustee in bankruptcy in a bankruptcy proceeding.