Andrea Bopp Stark was on a panel at a Maine State Bar Association litigation seminar recently along with two attorneys who primarily represent creditors in the bankruptcy as well as non-bankruptcy courts.   The presentation discussed the use of consumer litigation, principally mortgage foreclosure defenses, in bankruptcy cases.  This area of law has been very active in recent years, and attorneys are still developing legal tools and techniques to assist consumers save their homes from foreclosure.  Although creditors' counsel asserted that bankruptcy was not a safe haven for individuals in the midst of foreclosure, Stark described legal theories and arguments which may help consumers save their homes, in primarily Chapter 13 cases, using TILA and RESPA, as well as other consumer litigation statutes.