I am considering a Chapter 7 bankruptcy and have two judgments against me in the public records. One is from the homeowners association for unpaid fees and the other from a debt collector that took me to court.
If I file a Chapter 7 and surrender the house (I was thinking of giving a deed in lieu of foreclosure), do I have to do anything else? I read somewhere that I have to do a motion to avoid the liens but I'm not sure if I still have to do that if I'm giving up the house. I guess my question is whether this lien will affect any other real estate purchase that I may do in the future (like buy another house).