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said. Lenders are likely to find that the threat of a judicial foreclosure is more powerful under the home loan lender bankruptcy rules that take effect today. Under the previous rules, borrowers could threaten to file for Chapter 7 bankruptcy 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 make it much harder to qualify for Chapter 7 protection. The bankruptcy law changes will force more home loan lender to seek Chapter 13 protection and repay at least a portion of their debts through court-ordered payment plans. Lenders still typically won't get full dollar, but it home loan lender give them more leverage when negotiating how to reduce payments or restructure debts, experts say. hard money loan seasoned mortgage term loan or interest-only loan wraparound mortgage referring to ownership rights over real estate. The terms real estate and real property are used primarily in common law, while home loan lender law jurisdictions refer instead to immovable property. In recent years, many economists have not recognized that the lack of effective real estate laws can be a significant barrier to investment in many developing countries. In most societies, rich or poor, a