No, you cannot. If you declare any kind of bankruptcy, the bank knows hey are likely going to have to loose a percentage of their investment and will immediately auction off the collateral to the highest possible bidder to apply the proceeds to as much of the loan as possible so they can get the rest back through trustee payments, if at all possible.
Nice thought, but sorry no go. A friend of mine had a similar theory, but banks have to look out for their loan collection.
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