4. A bankrupt who owns a house has krupt who owns a house has the option of either paying the mortgage or losing is home. The court cannot reduce the amount owed; its choice is to discharge the rire debt or leave it whole. Congress considered a bill that would permit a bank. ruptcy judge to adjust the terms of mortgages to aid debtors in holding onto their houses. Proponents argued that this change in the law would reduce foreclosures and stabilize the national housing market. Opponents said that it was not fair to reward homeowners for being irresponsible. How would you have voted on this bill