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fetch enough to cover the mortgage anyway. In addition, lenders are hesitant to seek judicial foreclosures because they're time-consuming, expensive and ultimately leave the outcome in the hands of a judge. package loan participation mortgage reverse mortgage repayment mortgage But that reluctance could direct home lender mortgage if home values direct home lender mortgage and foreclosures rise, some experts say. ``If property values go down by 20 percent, then everyone would be thinking about this,'' UCLA's Nelson said. Lenders are likely to find that the threat of a judicial foreclosure is more powerful under the tighter bankruptcy rules that take effect today. Under the previous rules, borrowers could threaten to file for Chapter 7 direct home lender mortgage protection and erase a deficiency along with credit-card bills and other unsecured debt. That bargaining chip soon will be less effective, however, because the new bankruptcy rules will

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