Legal Question in Bankruptcy in California

Your question omits some important information such as what conflicting information you have found, but a few items to be aware of are:

--a foreclosure can occur after (or during with court approval) your bankruptcy case, but the creditor should not report an outstanding amount due after the foreclosure. A bankruptcy discharge includes the discharge of any deficiency--the difference between the property value and the amount owed to the secured creditor.

--assuming you are living in the house rent-free, what did you do to surrender it? Simply stating your intention to surrender in your bankruptcy papers is not the same as actually doing so. Consider contacting the mortgage holder to complete the process of surrendering the property.

Best of luck.