You're not liable for the arrears, or the rest of the outstanding mortgage. Your bankruptcy removed this responsibility from you. But you don't get to keep the house and dodge the mortgage or it's arrears. Mortgage payments are often cheaper than rent. So it might make sense to move back in, start paying the mortgage again, and in six months to a years time see if the bank will let you pay an increased monthly amount that will pay the arrears over the remaining term of the mortgage. They might. It'll be up to the bank.