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  1. We have a house that we are under no obligation to pay the mortgage on as stated in the letters we receive from the mortgage company. The debt was included in bankruptcy and debt was removed from our credit reports according to their records.We have been making voluntary repayment on the debt since 2010 instead of them foreclosing My question is are we truly under no obligation to pay this back and what happens if we tell the mortgage company we would like to surrender the house now?
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