Should I file bankruptcy?

Here is the scenario. Wife & I bought an overpriced house(on credit) -with 2 incomes in 2006 Wife divorced me shortly thereafter. We could not afford the $2000 a month payments one one income. We tried to sale house to no avail. We both made payments ...50/50 So, after throwing thousands of dollars away on the mortgage I finally could no longer afford to run on the debt treadmill so I was unable to keep making the payments on the mortgage. I Contacted the bank and did a Deed in lieu & Gave the house back to the bank. Quite a few months back I received a call claiming that I owe money...I told the guy he needs to get his info straight & that the debt has been canceled due to a deed in Lieu. After that I really never gave it anymore thought. Recently I've been getting more calls from a collection agency claiming that I owe money. What steps should I take to protect myself from ...possible lawsuits,judgements etc. I don't have the money to pay, besides the bank was given the house back Should I file for bankruptcy? Any help will be much appreciated

The moment you do a Deed in Lieu and give your house back to the bank, you transfer all the responsibilities of the house to your bank. So, there is no question of you owing the money. If you've the deed in lieu agreement and all other documents that is needed, then contact the bank and tell them about the CA.

Moreover, dispute the debt with the CA and send them a cease and desist letter. Let them validate the debt. If they can't, you can file a case against them. Keep us posted about the proceedings.