Assuming the home you lost in 2010 qualified for anti-deficency protection (2.5 acres of land or less, 1 or 2 family dwelling), and both loans were purchase money, then the former lenders may not pursue any other asset other than the collateral, i.e., the former house lost to foreclosure. The new home will be perfectly safe from them.
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speak to a lawyer. if there is no deficiency then neither lender has recourse. if there is homestead then neither may have recourse either. after speaking to a lawyer you will be able have your questions answered
without a detailed review by a lawyer can all the issues raised in your question be appropriately addressed...nothing in this response should be construed as establishing a lawyer client relationship..the answers herein are for informational purposes and not to be construed as advice
Based upon the information you provided, it does appear that the anti-deficiency law would be applicable to your previous home. If that is true, then you have no risk of any part of that old transaction attaching to a newly purchased home. The 1099C is further indicative that you are on the right path. Normally, the 1099C is only issued if the loan truly has been forgiven. That may not always be true, but combined with your other facts it surely points in that direction.
Douglas Edmunds is in the business of helping people and companies file for bankruptcy protection. The bankruptcy code requires that I call my firm a "debt relief agency." Any answers or information provided is for general information purposes only and is not intended to be a legal opinion, legal advice or a complete discussion of the legal issues. This is not intended to create a attorney-client relationship. Each individual's situation is different and you should seek independent legal advice from an attorney familiar with the laws of your state for specific information.