It is impossible to answer your question. If the benefit or lack of benefit to you relates solely to credit reporting, what the credit reporting agencies do and how they do it is proprietary and subject to change. Furthermore, credit reporting by the creditors is inconsistent at best. If they report a mortgage as being in foreclosure when it is not, that may well be actionable as a breach of the FCRA. However, if you file bankruptcy, they are correct if they report the bankruptcy. Whether any ol this makesany real difference down the road is not possible to evaluate in any definitive way.