What If The Bank Refuses to Foreclose?

In re Heck, 2011 WL 133015 (Bankr. N.D.Cal. 2011) This is a short decision, but nonetheless an important illustration of one of the many struggles that consumer debtors face.  When a debtor surrenders their house in bankruptcy, it does not mean that the bank will take it back right away.  Usually this is a good thing for debtors, because it … Continue reading »