Legal Question in Real Estate Law in California

I don't know the answer without research and review of your documents. I believe it would be necessary to examine the home-purchase and loan documents to see whether the loan beneficiary has rights to your interest in the house. Very possibly, you are a signatory to the deed of trust even if not a borrower on the note. Few lenders will lend with a half-interest in a residence as collateral. Did you receive a copy of the notice of default? If so, your bankruptcy would probably force a short postponement of the foreclosure, while the lender went to bankruptcy court to obtain relief from the automatic stay.

Short delay, not stop.