Original loan was $340,000 when I lived in it. I moved to California and still made payments to the loan. In August of 2009 I filed for Chapter 7 in California. That is when my lawyer said to stop making payments on the property cause you are surrendering the property. The loan stopped at $300,000 and not a single penny was made towards the loan. In May of 2010 we were considered discharged from the loan. We didn't have to worry about the lender harrasing us about the loan. We were not liable to pay. Just recently in February of 2012 this evil 1099-c came in. We looked at it and tried to figur