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I am in PA...I filed in Aug 09 and discharged Nov 09. I surrendered my house to the bank in Chap 7. I have not paid on my mortgage/taxes since JAN 09 and I am STILL waiting for Bank of America to take my house!!!! So they might have a while before they have to deal with it at least. It was an embarrassing thing to go through but I'm 1,000 times happier without the burden!!
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