Hello and thank you for allowing me the opportunity to assist you.

Q: what is the best way to find out when the house I let go will go into Foreclosure
A: All you can do is ask. Unfortunately, the lender is under no legal obligation to foreclose, so you can't force a foreclosure. In most cases a lender will move swiftly, but I have heard of cases where lenders take a couple of years or longer to foreclose. If I were in your shoes and I wanted to know, I'd call the lender and ask. That's about all you can do.

Q: do I need to keep homeowners insurance on the house
A: If a person no longer owes the mortgage payment because of bankruptcy and does not plan to stay at the house, then there is likely no benefit to maintaining insurance on the house. Under those circumstances, I would likely stop paying it and let the lender pay for insurance if it wants to insure its collateral.

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Thank you.