{"id":216,"date":"2012-09-20T20:51:04","date_gmt":"2012-09-20T20:51:04","guid":{"rendered":"http:\/\/bankruptcyattorneystl.com\/?p=216"},"modified":"2012-09-20T20:51:04","modified_gmt":"2012-09-20T20:51:04","slug":"surrendering-your-house-through-bankruptcy","status":"publish","type":"post","link":"http:\/\/bankruptcyattorneystl.com\/?p=216","title":{"rendered":"Surrendering your House through Bankruptcy"},"content":{"rendered":"

Falling behind on your mortgage can be extremely stressful, and at a certain point, many people decide that they no longer want to keep the house that they own.\u00a0 When you file for bankruptcy, you have the option to surrender your house, which means that you are no longer responsible for the mortgage.\u00a0 \u00a0\u00a0Usually, once you surrender the house, your mortgage company will move forward with foreclosure proceedings to take the house back so they are able to sell it to a new person.\u00a0 However, sometimes the mortgage company does not move forward with foreclosure right away, and that is when debtors can get into trouble.<\/p>\n

When you surrender your house through bankruptcy, you still are responsible for the house. This is because your name will still be on the deed of the house, even though you will not be responsible for the mortgage anymore.\u00a0 What does this mean for homeowners?\u00a0 It means that you will still need to maintain the upkeep of the house until the bank moves forward with foreclosure proceedings and sells the house to a new owner.\u00a0 There are a few simple things that debtors who surrender their houses should do to prepare for this.<\/p>\n

1. Make sure that you retain homeowner’s insurance on the house.\u00a0 If something happens to the house itself, like a fire, or flooding, you can still be responsible for the damage that occurs.\u00a0 Additionally, if someone hurts themselves on your property, you can be liable for any injuries or damages.\u00a0 Maintaining homeowner’s insurance will help protect you from being responsible for any accidents on the property.<\/p>\n

2. Maintain the upkeep of the house.\u00a0 The city can still fine or cite you, as the home’s deed owner, for things like an unkempt lawn, or \u00a0a porch that needs to be painted.\u00a0 If these types of fines and tickets are ignored for extended amounts of time, some cities even issue arrest warrants for people.\u00a0 Doing simple tasks like mowing the lawn can end up saving you money and a big hassle in the future.<\/p>\n

3.\u00a0 Prepare your house for changing seasons.\u00a0 Make sure that windows are closed, and that pipes are clear and drained for the upcoming changing seasons.\u00a0 If the temperatures drop unexpectedly, and the pipes burst because you did not drain them in preparation, you are responsible for the damages.<\/p>\n

If something happens to or on your property, you are still responsible for any damages that may occur.\u00a0 Failing to do these simple steps will not affect your bankruptcy; however, it will save you from potentially dealing with a very large hassle.\u00a0 Fines or repair bills that arise after the filing date of the bankruptcy are not included as a part of the debts that are able to be discharged. If you are considering filing for bankruptcy and are interested in surrendering your house, please contact a St. Louis Bankruptcy attorney<\/a> today.<\/p>\n","protected":false},"excerpt":{"rendered":"

Falling behind on your mortgage can be extremely stressful, and at a certain point, many people decide that they no longer want to keep the house that they own.\u00a0 When you file for bankruptcy, you have the option to surrender … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24,3,53,8,34],"tags":[],"class_list":["post-216","post","type-post","status-publish","format-standard","hentry","category-bankruptcy-filing","category-bankruptcy-general","category-chapter-13-bankruptcy","category-chapter-7-bankruptcy","category-foreclosure"],"yoast_head":"\nSurrendering your House through Bankruptcy - St. Louis Bankruptcy Attorneys<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/bankruptcyattorneystl.com\/?p=216\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"St. Louis Bankruptcy Attorney\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216#article\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216\"},\"author\":{\"name\":\"St. Louis Bankruptcy Attorney\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#\\\/schema\\\/person\\\/ffac9d6264cfaf62f3228d9b170a410b\"},\"headline\":\"Surrendering your House through Bankruptcy\",\"datePublished\":\"2012-09-20T20:51:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216\"},\"wordCount\":483,\"articleSection\":[\"Bankruptcy filing\",\"Bankruptcy General\",\"Chapter 13 Bankruptcy\",\"Chapter 7 Bankruptcy\",\"Foreclosure\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216\",\"url\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216\",\"name\":\"Surrendering your House through Bankruptcy - St. Louis Bankruptcy Attorneys\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#website\"},\"datePublished\":\"2012-09-20T20:51:04+00:00\",\"author\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#\\\/schema\\\/person\\\/ffac9d6264cfaf62f3228d9b170a410b\"},\"breadcrumb\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=216#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Surrendering your House through Bankruptcy\"}]},{\"@type\":\"WebSite\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#website\",\"url\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/\",\"name\":\"St. Louis Bankruptcy Attorneys\",\"description\":\"by A & L, Licker Law Firm with offices in Florissant, St. Louis, Manchester, Granite City, and St. Charles. 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