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Are you willing to gamble that Congress and the Senate will agree to extend the Mortgage Debt Relief Act? This doesn't mean Congress won't eventually act to extend the relief. But Congress might decide it's not crucial because they are preoccupied with an election year. Do get SHOCKED by the IRS when you have to sell your home which owes more than its worth next year! Learn about Short Sales for 2012. Short Sale Answers, Research and More