Hi - my name is XXXXX XXXXX X'X a Bankruptcy and Consumer Protection attorney here to assist you.
Even though you are not paying the mortgage, the house still belongs to you until it is foreclosed.
I just re-read your question.
When you said you gave up your home, did you mean you signed your deed over to the bank?
Thank you for your response.
Until the house is foreclosed (or deed signed over), it belongs to you. This is so, even though you are no longer paying the mortgage.
Until this happens (foreclosure or deed signing), you have the right to move back into the house.
You can ask another question without paying more.
If your income drops while in a Chapter 13, you have the right to convert your case to a Chapter 7 - if your lower income will qualify you for a Chapter 7.
If your new income is not low enough for a Chapter 7, you can have your monthly Chapter 13 payment modified (lowered).
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