It depends on which bankruptcy Chapt 7 or Chapt 13, it depends on whether someone else on title or on the loan chose not to file with the original filer (they still have rights), it depends on whether the Trustee has released the house from the estate, it depends on whether the debtor reaffirmed the debt, it depends on whether someone started making payments again and the bank is choosing to receive the payments instead of foreclosing, it depends on if the debtor has been making payments inside the bankruptcy, it depends on if there is a pending foreclosure that keeps getting continued, it depends on if there is a pending hearing that is scheduled to resolve some issue, it depends on whether there was a lawsuit within the bankruptcy that affects the property, it depends on whether the bank put together a stipulated agreement and on and on.Without reading the docket we wouldn't know the situation and couldn't advise on a course of action.Ah, twists & turns is foreclosure real estate buying.

Most HML said I needed to brinf X amount of dollars to the table...or I not so great stipulations to fund 80-100% of the deal rehab cost included.

My only stipulation is that other BP guests stay in my 3 story haunted house. 

Sign a stipulated agreement that you will not report the transaction to the credit bureaus.They may also be aware that they have to pay taxes on forgiven debt.I would give you 0% chance of collecting money on this one. 19 years without payment is a mind boggler.

What stipulations are in place today?

I am not an attorney and don't know what your local law stipulates, but I also think there's a lot of responsibility that rests on the tenant's shoulders (the one who is the victim in the police report).

The loan stipulates I will need to live in one unit.

I didn't realize they would have those types of stipulations.

Contracts stipulating return on investment, distribution and liquidation.  

Once you're past the "hoping" stage and have a contract is the time to stipulate how you will acquire the property.