“None of us can be really sure without reviewing the documents and facts , but I am pretty sure of one thing. If the home buyer had made his payments as agreed there would not have been a foreclosure.”
I agree so my sympathy does not go with the home occupier. I am not sure about the morality of Chapter 13 to avoid foreclosure. One could argue that Chapter 13 provides incentive by home occupiers to stiff the note holders.