NPN and Chapter 7 vs NPN Ch13

[Daria B.]

hi all-

I've purchased NPN that were in BK13 and understand the implications of the BK13.

I understand what Chapter 7 means as well, but, what I'm missing is how the workout generally goes. Is it a foregone conclusion that because of the Chapter 7 that the borrower(s) are essentially saying we are walking away from our debt so highly likely the property is then foreclosed upon. 

Can someone who has dealt with Ch7 NPN tell me what they encountered - and I suppose a DIL is always a method to utilize instead of FC.

Thank you

Daria