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Most note investors don't think about bankruptcy until it happens — but knowing how it affects your lien before you buy a loan with an active filing is what keeps a manageable situation from becoming an expensive surprise. In this episode, we break down what borrower bankruptcy means for your position and what to do about it.

🔍 What you'll learn:

✅ Why the automatic stay stops all collection activity the moment a borrower files — and what you cannot do while it is in effect

✅ How a Chapter 7 discharge eliminates personal liability but leaves your lien on the property intact

✅ Why Chapter 13 is the bigger risk for junior lien holders — and how a lien strip can wipe out a second mortgage entirely

✅ Why only one third of Chapter 13 plans reach discharge — and what a dismissal means for a lien that appeared to be stripped

✅ How to use PACER and Schedule D to research any active bankruptcy and monitor your position through the case

This program is for informational purposes only and should be independently verified before taking action.