I have declared [url=http://www.mortgagefit.com/bankruptcy/chapter13.html]chapter 13 bankruptcy[/url] (been in it a little over a year) and surrrendered two properties. Foreclosure proceedings have begun on one. A representative from the mortgage company has told me that they may not foreclose on the other for years, including after the bankruptcy is over. Is this true? If so, wouldn't declaring bankruptcy had been in vain, and my credit will suffer even more with a foreclosure showing up after bankruptcy? I have checked my credit report, and I have a huge debt to income ratio because the debt from the homes is still showing - when will this be released. What can I do to resolve these issues?