VERY happy to be corrected by an extremely trustworthy source: Mortgages are only excluded from bankruptcies insofar as the debt is secured. Shortfall debts are no longer secured debts - therefore in Amanda's case the debt is a county court money judgment and is certainly a debt 'provable' in bankruptcy. You go girl!!! Have a bankruptcy party and get on with your life. To the Halifax - just what exactly does the Society gain from such pointless actions?(posted 7793 days ago)