If he stops making payments, eventually the mortgage lender will foreclose.  As long as he does not reaffirm the debt in his bankruptcy case, the discharge will cover anything he owes on the mortgage.In most states, if this is the original mortgage, he would not have any liability for a deficiency on it anyway. Mark J. Markus, Attorney at LawHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/Follow Me on Twitter:  @bklawr