ciscodilla:Does the discharge Chapter 7 have a shelf life? If her husband all of a sudden decides to leave the house will the discharge still be honored by the bank/lender?
I'm not sure if these are two separate questions. If they are, I don't understand the first one. The answer to the second question is that, if the lender does not "honor" the discharge, your wife will have a claim against it for violation of federal bankruptcy law (I'm assuming, of course, that, when she filed for bankruptcy, in addition to abandoning the interest in the property that she no longer had, she also listed the mortgage obligation in her schedule of debts).
ciscodilla:I forsee the house going into forclosure sooner than later...Since she is not on title anymore due to the Quit Claim deed..If HOA dues and fines begin to incur will she be liable for those or is she protected by the Quit Claim.
Her bankruptcy discharge should apply here as well (again, assuming the filing was done properly). That said, it's entirely likely that the HOA's recourse is solely against the property and not against the property owners.