A trustee’s deed conveying the property was prepared on January 25, 2006. On December 31, 2005, the Debtor filed his Chapter 13 bankruptcy petition, and he declared that the value of the property was $200,000. The Debtor also filed a notice of his bankruptcy filing in Jefferson County, West Virginia on January 3, 2006. The Debtor’s Chapter 13 petition was filed before the foreclosure sale deed was recorded, and the Debtor is attempting to undue the foreclosure sale and cure his mortgage arrearage in his proposed Chapter 13 plan. II. DISCUSSION This case requires the court to make a determination of whether a debtor may cure a mortgage arrearage after the property subject to the mortgage has been sold at a foreclosure sale conducted in accordance with non-bankrup 5-56 (N.D.Ill.1997) (<HOLDING>); In re Downing, 212 B.R. 459, 462
holding that  1322c1 is not ambiguous that the debtors cure right terminates on the date of the foreclosure sale regardless of the intricacies of the state foreclosure sale process and refusing to attach significance to the legislative record indicating that more extensive cure rights under state law persevere holding that the debtor had the right to cure the default because the foreclosure sale was not complete under state law until it was confirmed by a court holding that the debtor is entitled to cure the arrearage until entry of an order confirming the foreclosure sale completes the foreclosure process under oklahoma law holding that the debtors could cure the default until the delivery of a sheriffs deed to the successful purchaser rendering the sale complete under new jersey state law recognizing the language of  1322c1 as a minimum floor in cutting off the debtors right to cure and permitting the debtor to cure until the deed was delivered to the successful bidder which would complete the sale under new jersey law