Bankruptcy deals will all UNSECURED debt - SECURED debt in not dealt with by the Official Receiver
However, if a property is repossessed or surrendered back to the mortgagee the outstading debt or shortfall changes in status from 'secured' to unsecured as it is no longer 'secured' on the property, thus shortfalls are then included in the bankruptcy. The same would apply to any second charge on a property in the venet that the property is repossessed/surrendered - the second charge reverts to an unsecured debt and is again included in the bankruptcy
Hope this helps
Melanie Nicholas 28 years insolvency experience - 23 of which in the Insolvency Service - Insolvency Manager Jones Giles email me at melanienicholas@jonesgiles.co.uk