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The house was given back during the Chapter 13 BR. Since we have been discharged from Bankruptcy, (March 2012), the mortgage co. is stating that we are liable for the arrears and that we will be sued for the deficiency when they foreclose. The house was to be sold (auctioned) in April of 2012 but postponed to June (didn't happen then either) due to the Class Action law suite by the government. So it hasn't been sold yet. I also believe that they shouldn't be calling me everyday either even on Sundays.