where do I start?

[mickeysfriend]

we filed Chapter 13 back in October, converted to a 7 last month, 341 is this Friday. We have a HORRIBLE Attorney who is NOT helpful AT ALL!!! He has never mentioned loan modification. Originally I thought that we wouldnt qualify for a loan mod because we have a second mortgage. As I dig around more, I see that it is possilbe.

I have NO idea where to start! I read an article that said it's better to go with an agency than the mortgage company. I've seen the name HOPE many times, but have no idea what it is!

I'm in Oregon, could someone point me in the direction of where to start? I would SOOO appreciate it!

oh, would it be helpful to know that we have not paid our mortgage since January and the bank already filed for relief of the stay. ???

[LuciluS]

http://www.cbs.state.or.us/dfcs/ml/foreclosure.html#resources

I am posting One Section of the above:

Making Home Affordable Plan
The Making Home Affordable Plan, a new initiative that is part of the President's economic stimulus plan, includes two programs for homeowners who occupy their houses and use them as a primary residence. There are other conditions homeowners must meet to qualify. These programs are called the Home Affordable Modification and the Home Affordable Refinance. It is important to note, these options available to eligible homeowners are free!

Please be sure to explore other relief programs and options available for homeowners who are at risk of losing their homes to foreclosure.

The following links provide more information:

Making Home Affordable Overview

https://www.cbs.state.or.us/external/dfcs/ml/foreclosure/MHAP.pdf

Making Home Affordable Plan

https://www.makinghomeaffordable.gov

FannieMae

http://loanlookup.fanniemae.com/loanlookup/

FreddieMac

https://ww3.freddiemac.com/corporate/

1-800-FREDDIE