Will my home loan modification disable me from being able to file?

[luvtocrop]

I have been working with and paying a lawyer since last november, in order to file a chapter 7 bk. Just this past monday, I was notified that our mortgages (1st and 2nd) will be modified effective 5/1 and will decrease collectively $1700/month.

Will this affect our ability to file for chapter 7? Does the fact that this does'nt take effect until 5/1 come into play? Does the fact that the modification is temporary (modified for 5 years) matter?

Help! I've put 3 calls into my lawyer but he is dragging his feet getting back to me!!!

[HHM]

Without seeing the terms of your loan mod, who can say (which is what your attorney will tell you...incidentally, did you call him 3 times in the same day, or once each day for the past 3 days, if the prior, cut your attorney some slack).

Generally, the loan mod should be uneffected by the BK.