I read your previos question-answer session with the other attorney. You were informed that by continuing to pay, you reaffirmed the debt to the lender. This is an incorrect statement of law. Under 11 U.S.C. §524(c), a debt discharged under Chapter 7 cannot be reaffirmed, execept as part of an affirmation agreement filed with the bankruptcy court prior to discharge.
Therefore, based on your stated facts, you are no longer responsible for your mortgage, and you can literally walk away from the property. You would save the lender a lot in additional costs by offering a deed in lieu, and the lender has nothing to lose by accepting it. So, send them a letter and offer to give it to them. You actually could offer to provide it in exchange for money from them, because processing a foreclosure will cost the lender several thousand dollars.
Note: don't threaten to walk away unless the lender complies with your demands. That would be criminal extortion.
Worth a shot.
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