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?

QUESTIONS PRESENTED FOR REVIEW 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? i