Legal Question in Bankruptcy in California

Yes, it is reasonable and bankrutpcy court may be the one place where the lender must prove standing. In other words, the paperwork concerns being raised around the country can be asserted in bankruptcy court. Otherwise, as a non-judicial foreclosure State, a California trustee's sale skips the tests and formalities required in Court.

A word of caution, though: if you can't pay the arrears over time and keep up on future mortgage payments, and propose a feasible Chapter 13 plan, it's possible that the lender will seek relief from stay and your filing will only delay the foreclosure for a short while. Don't forget that you're required to take the credit counseling course before you file a bankruptcy.