At what point is the court taking over the property, in bankruptcy you are giving them ownership if you are not going to confirm that debt and keep the property.
I would discuss with my attorney since if you do not work with the court they may rule that you have not attempted to help in the sale and disallow your bankruptcy.
I woud assume you are living there without paying any house payments to the debtor.
If I was the lender I would use this refusal to really try and mess up your case. So a lot will depend on the lender, and the trustee you are dealing with. Ask your attorney, if you don't have one, call the trustee
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