Your Banktrupcy & The Mortgage Forgiveness Debt Relief Act and Debt Cancellation

[tobee43]

They can't take your bankruptcy into account when doing modifications. You're not looking to refinance (maybe that's what they thought you meant when you said "change the mortgage"?), you want to do a modification. You can do this through the Making Home Affordable program.

i hope that program is working better than HAMP. thanks for the information here's some further info about that program if anyone would like to explore the possibility of using it:

http://www.makinghomeaffordable.gov/pages/default.aspx