Reply To: What if I don't want to buy back the chometz from the goy?

Joseph: He doesn’t purchase it back. That’s not how it works. The analogy to a mortgage on a house is accurate. If you default, the bank takes the house back. All the bank can tell you is “pay up or give back the house”. They can’t force you to keep the house and pay for it. The same thing is here. It’s the Goy’s Chametz and he owes you money. You can’t force him to pay that money. What you can do, though, which is what we all do, is to tell him “either pay full price or give back the Chametz”.