1. How can a mortgagor collect on more than the
amount of the lien secured by the deed of trust
when a debtor in a Chapter 7 bankruptcy in
California, as well as similarly situated nonjudicial
foreclosure states which utilize a promissory note
as the promise to pay and deed of trust as the
security lien for the mortgage, receives a discharge
pursuant to 11 U.S.C. §524, when the debt has
been discharged in personam?

How can a mortgagor collect on more than the amount of the lien secured by the deed of trust when a debtor in a Chapter 7 bankruptcy in California, as well as similarly situated nonjudicial foreclosure states which utilize a promissory note as the promise to pay and deed of trust as the security lien for the mortgage, receives a discharge pursuant to 11 U.S.C. §524, when the debt has been discharged in personam?