My mortgage was discharged with my BK on May 1, 2011. I am moving out of my home in a week. I received one notice from WF in Sept, that they were going to proceed with foreclosure. and nothing since then. Does it make a difference if they foreclose vs me signing a deed in lieu of? Seems like they already own the house. Also, will the actual foreclosure put another ding in my credit, even though the debt was already discharged?
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