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Registered: ‎03-06-2010
Re: Chapter 7 already discharged - mortgage not reaffirmed - foreclosure/credit score question

Look at soulmasters posts above - it gives a great summary as to what happens.

To speed up the process, short sale the house or Deed in Lieu and it will no longer be in your name. Normally the bank won't even consider a DIL until you have gone down the short sale route (many, not all lenders require a short sale attempt first).