Damage to MERS Mortgage Electronic Registration System published Wall Street Journal . MERS CONTRIBUTED TO FORECLOSURE CRISES

https://www.nyeb.uscourts.gov/sites/nyeb/files/opinions/opinion_reg_11-02-10.pdf

You can dismiss a Chapter 13 Bankruptcy  to File Chapter 7 and take advantage of new exemptions

http://www.nysb.uscourts.gov/sites/default/files/opinions/212585_52_opinion.pdf