There are 3 main ways to get your name of the title of your home.

1.    Foreclosure.  This process allows for the legal transfer of title back to the creditor.

2.    Sale/Short-Sale.  When you sell your home, you execute a deed transferring your right, title and interest in the property to another person.

3.    Deed in Lieu.  This is an option that allows you to avoid foreclosure.  In essence, you sign over a warranty deed to your mortgage company and then you are done.

So, in summary, there may be some notices that you receive since your name is still on the property (property tax notices and city notices).  However, if you filed bankruptcy and surrendered the home you should not be receiving notices directly from your mortgage company, lienholders or your homeowner’s association.  This could be an indicator that the mortgage company or homeowners association is making a mistake – CONSULT with your attorney or any bankruptcy attorney to see if the letter constitutes a violation of the bankruptcy code.