I'm not sure.I'm in Ohio,and it happened to me.I called the mortgage company and told them I'd give them the house back and be free and clear of future credit rejection's.I didn't want that on my credit report.Anyway,they didn't want it back,because they can't insure it without someone living in it.I was served the paper's and lived in it for a year and a half for nothing.Then I was told it was going to the sheriff's sale.Then I had 30 day's.Then I was gone.I'm still alive and I've got great credit now,so don't give up on life.You will survive.This,of course happened in 83.I'm sure the laws have changed.Hang in there.
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