Is it possible to keep home after chapter 7 bankruptcyDue to an escrow deficiency, my monthly mortgage payment shot up approximately $969.00 to approximately $1,500.00. Because I separated, and eventually divorced, was unable to assume this higher payment. I declared personal bankruptcy, chapter 7, and included the house mortgage. Lately the bank (JP Morgan/Chase) initiated foreclosure procedures, however, I keep getting calls from them asking me if I wanted to do a short sale of the home. Recently, they even called me and informed me that, if I had someone move in and rent the property, or even, have me move in, I could request a loan modification. I told them that in the past, I've attempted twice to obtain a loan modification. The first time by myself and the second time via an attorney. Both times I was turned down. I was under the impression that, once the house is included in a bankruptcy, I've lost any and all rights, much less the possibility of requesting and or obtaining a loan modification. Because the bank has initiated this approaches, do I have any remaining ownership rights where I could get a loan modification from the bank?October 10 2012 - Homestead00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.