I own a 3 flat with one other individual. We are both on the mortgage. He filed for chapter 7 bankruptcy and the mortgage was not reaffirmed. The home is in foreclosure. When I call the bank they tell me that since the debt was not reaffirmed in bankruptcy, they will only seek their rights against the property and not sue for a deficiency judgement, even though I did not declare bankruptcy. Can the bank change it's mind later?