Handing keys back to lender - before or after bankruptcy??

debt_doctor

Go bankrupt.
Inform the lenders
Give the keys back (if you want to, the locks will get changed anyway)
NEVER sign anything in relation to the property, and certainly not a deed of acknowledgement.
Secured loans are outside the scope of bankruptcy so will not be part of your BR until the property is sold. (list the property on the application) At the point of sale, any shortfall, costs etc will become part of your earlier BR, even if it happens years afterwards.
DD