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In order to obtain and retain a Chapter 7 discharge, the debtor must cooperate with the trustee. The most common grounds for denying a Chapter 7 discharge are the failure of the debtor to pay the filing fee in the Chapter 7 case, the failure of the debtor to obey an order of the bankruptcy court, and where it is shown that the debtor received a discharge in another bankruptcy case filed within the last 8 years.
You must act immediately after getting the NOD but in no case may you wait past the trustees sale. After the sale, someone else owns your property, and you cannot get it back without re-purchasing. However, before the trustees sale you have options and should explore your options with an attorney. There are rare circumstances where you can undo a trustee's sale. However, it is best not to let your situation get this far.
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