There might also be one thing in your mortgage agreement about what the bank can do if you abandon the house, and you did tell them you have been no longer there. However, you need to only file for bankruptcy if you really need to have to. Having each a bankruptcy and a foreclosure on your credit record is a lot worse than just having a single or the other. For students wishing to sit for the CA Broker License Exam, extra courses will want to be completed and a minimum of two years full-time licensed salesperson expertise inside the last five years or the equivalent is required.