Yes, it was in CA. It was published right before we stopped paying these mortgages and gave me hope in our case.

We plan to file Ch13 soon, most likely - either this debt will be included or it won't. It doesn't matter to me if I have to pay the 2nd back most of the money, it was used for CC debt so it IS my debt.. BUT I don't feel I should be the one carrying all the blame in this situation given the circumstances. That broker made a lot of money and apparently did this quite often from what I understand.

I can live with the fact the my poor decisions got me to the point of BK, and I'll pay 60 months on whatever, but I certainly don't want to be criminally charged for this.

thank you for your replies.