I filed bankruptcy and surrendered my house - both mortgages were discharged. Because of the backlog of foreclosures in Maryland, I sold the home in a short sale. Am I responsible for federal and state taxes for this sale? I owed $180K on the first mortgage and $47K on the second. The house sold...

I have three questions:
Why is the nod and foreclosure held against you if you filed BK?
Why are they able to leave you on the loan and continue to hurt your credit what is the purpose of BK if not to stop all the non sense?
Are mortgage lenders able to decline your loan based off...