Will creditors put a lien on my house/car/checking for Unpaid credit cards and foreclosures after 7 years?

QA Expert asked:


I’m planning to foreclose my 2nd house and leave my credit cards bills unpaid for 7 years then it would be removed. My question would the creditors put a lien on my checking/house/life insurance in the future? Also, would my credit reports be CLEAN after 7 years, no sign of unpaid debits?
Would bankruptcy better than just not paying? Would bk take my house & car too?
I’m in California.