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I think this is considered real estate law but I'm not 100%. (Located in Georgia USA) Back in 2017 (before we were married) my husband filled bankruptcy 7 due to credit card debt (lots of bad decisions 😕). We had bought our house in October 2016 (with my father in law as a co-signer). When he filled the bankruptcy we were assured that our house would be safe due to being current on payments at the time and not enough equity for them to take. Well apparently when the paperwork was submitted to the loan company they didn't reaffirm the mortgage as it should have been. We found out because I was no longer able to make payments and they sent two payments back. We ended up in foreclosure. Come to find out because of the bankruptcy my husband was taken "off" the loan. However we tried to save the house with a loan modification but to stop the sale we had to file a chapter 13. 4 days before the house was going to auction. We got a stop put on but we ran into a issue where we were no longer able to keep up with the payments.