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If your home in Texas is foreclosed, the lender can obtain a deficiency judgment against you. The full faith and credit clause of the U.S. Constitution would allow the judgment to be executed in California. California would permit your wages to be garnished
You may want to consider filing a chapter 7 bankruptcy to discharge your personal liability under the mortgage and keep the wages that you will make in the future
You can file a chapter 13 bankruptcy but that would require a 3 to 5 year payment plan. Alternatively you may remain in Texas where your wages cannot be garnished
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yes a good attorney can typically negotiate a reduced judgment amount
11 U.S.C. § 522 - yes they are exempt
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