Can anyone provide a really good link for me on this? WA is a non-judicial state, so does that factor in at all? Given that we have reason to believe in the past couple of weeks that BofA could possibly not even start official foreclosure for awhile yet, I know we want to at least get the Ch 7 out of the way and are concerned about being on the hook for the 1st & HELOC even though we'd be including it all. And if we could potentially be still in this house through next winter/spring, seems awfully tempting to stay and save on the rent.