OK. Thank you for clarifying that for me, Frank.
Since the debts were discharged in bankruptcy and you did not reaffirm the debts, you would not typically have any further obligation on the loans. The lenders may have decided not to foreclose on the property because you continued to pay on the loans, but as long as you did not sign anything indicating you were reaffirming the debts, you could normally walk away from the property and have no further obligation on the discharged loans.
Bankruptcy typically discharges your personal obligation to repay the loan although it does not discharge the lien the lender has on the property, so they can foreclose on the property after you default and recover the value of the property which would typically be applied to the debt, but they cannot typically pursue a judgment for the balance of the loan (if any) following a sale at auction where the debts have been discharged but not reaffirmed.
Here is a link which discusses the effect a bankruptcy has on a mortgage loan (pursuant to federal bankruptcy laws):
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