RE:RE:Here is why.I can't see your November 20th as a date of default.
The only possible default is the expiry of the 30 day period. Nothing else is due, and, even if it were, the court filing has the effect of neutralizing all defaults pending a determination,
If the only thing that triggers a default of the secured debt is the cross-default provisions, under which a default in relation to the unsecured debt is deemed a default in relation to secured debt, the court will overrule it and declare it to not be a default. There is lots of precedent for that.