Determined to change the constraints of my financial barriers, enthralled by doing my absolute best to solve the problems put in front of me by these wonderful homeowners (except for Willie, He was NOT so wonderful) that need relief, that need a "pass go collect 200 dollars" card.

If you do not have protections on the fee then when negotiations get tough between a buyer and a seller they often times try to look to other fees they are paying to lessen them for relief.

Good tenants are such a stress relief though it's hard not to work with them some.

However, fast forward 9 months after non payments, and us filing Motions to Dismiss and Relief, we finally received a prorated lump sum towards their arrearages along with their past regular mortgage post petition P&I, as they miraculously came up with a huge payment to save them from being dismissed. 

There is automatic stay and it is not lifted until discharge or, until a motion for relief is filed, held, and found in favor of the creditor.

2) Should I contact a lawyer to seek relief against the former owner?

If you're worried about the risks, you'll have to get horrible Obamacare or go pay $1500-$2500 a month for a plan that makes you pay another $8000 out of pocket before you get any relief but they can try and not pay as well if you have some ridiculous injury/health problem.

After reading countless numbers of books, listening to podcasts and meeting with vets, it was a sigh of relief to complete a full transaction. 

Typically, the bank will get a Relief from the Stay of foreclosure in the beginning, and proceed with the foreclosure/auction while and if the borrower is casually completing the BK. 

Good to know that there's one less metric I need to worry about, and it's a relief to hear good feedback about the zip code choice.