context: While the court recognizes that a statutory redemption period may extend the Debt- or's right to cure the default under SS 1322(c)(1), West Virginia law does not have such a redemption period, and therefore, the Debtor's right to cure the default ends at the foreclosure sale. See Colon v. Option One Mortg.
citation_a.signal: no signal
citation_a.identifier: 319 F.3d 912, 920
citation_a.parenthetical: stating that a debtor's right to cure a home mortgage after foreclosure survives if the state allows a statutory period of redemption
citation_a.sentence: Corp., 319 F.3d 912, 920 (7th Cir.2003) (stating that a debtor’s right to cure a home mortgage after foreclosure survives if the state allows a statutory period of redemption); contra, Cain v. Wells Fargo Bank, N.A (In re Cain), 423 F.3d 617, 620 (6th Cir.2005) (providing that the Bankruptcy Code precludes a cure of a home mortgage after a foreclosure sale based solely on a mortgagee’s statutory right of redemption). In short, after a foreclosure sale is complete under West Virginia law, a debtor has no right — based solely on state law — to redeem the property and cure the previous default.
citation_b.signal: contra
citation_b.identifier: 423 F.3d 617, 620
citation_b.parenthetical: providing that the Bankruptcy Code precludes a cure of a home mortgage after a foreclosure sale based solely on a mortgagee's statutory right of redemption
citation_b.sentence: Corp., 319 F.3d 912, 920 (7th Cir.2003) (stating that a debtor’s right to cure a home mortgage after foreclosure survives if the state allows a statutory period of redemption); contra, Cain v. Wells Fargo Bank, N.A (In re Cain), 423 F.3d 617, 620 (6th Cir.2005) (providing that the Bankruptcy Code precludes a cure of a home mortgage after a foreclosure sale based solely on a mortgagee’s statutory right of redemption). In short, after a foreclosure sale is complete under West Virginia law, a debtor has no right — based solely on state law — to redeem the property and cure the previous default.