Who's experienced in loan modification?

[2confused]

Anyone ever have success (or not) stories on trying to modify 1st and 2nd home mortgage loan after a bankruptcy during a ride through?

[HHM]

I don't think you will be able to do a modification post-BK on a non-reaffirmed mortgage. Strictly speaking, because of the BK, the note does not exist anymore (so to speak), and therefore there is nothing to modify (the lien still exists, however). In fact, legally, the bank can't even talk to you about the loan because of the discharge. About all you can discuss with them is a refinance.

No harm in asking, maybe they would, but I think you will find the bank VERY resistant.

[CindyLou]

I'd be willin to bet my boot is ain't gonna happen