What are my options for leaving a home where the mortgage wa

[Mike]

What are my options for leaving a home where the mortgage was not reaffirmed after bankruptcy? I'm in a home where I maintained and kept current the payments on a mortgage through and after a Chapter 7 bankruptcy. I assumed that my mortgage was reaffirmed because I kept the payments current, however, upon running a credit report I found out that I was not getting credit for making on time payments, the credit reports says that I own nothing and the dept was charged off in bankruptcy. I called the bank and they told me that they do not reaffirm loans and that if I became 30 days late they would move to foreclose on the property immediately and that they were taking action against the property. I had put the house on the market before learning this truth and now the property is holding me back from getting another mortgage because I’m still on the deed. The property is not selling and I look to lose my down payment and make no money, however, I’m missing the opportunity to buy a house in a down market. I get confirmation for an FHA loan only if I my name is removed from the deed. I live in NJ. What are my options.