Our BK was discharged in July 2011 and the case was closed in July 2013 (!), after more the 2 1/2 years. All this time we were renting (property abandoned in October 2010), but on paper showing as proud owners of a house in Scottsdale. Finally in June 2013, BofA stated the foreclosure process and...

I left California less than two years back so will be using California exemptions for the Chapter 7 I'm filing (CA Chapter 13 dismissed early 2010 after I could not continue with plan). California provides no access to Federal exemptions and there is no wildcard exemption (whatever benefit the wildcard...