I checked pacer and also got confirmation from my attorney: I'm discharged as of last week!!!!! I'm so, so relieved.

As some of you might recall, there was a discussion on here before I filed about how I could possibly pass the means test... a few peeps here were certain my case would...

July 16, 2011

Homeowners facing foreclosure should consider all of their debt relief options, including bankruptcy.

The foreclosure system is clogged, both in Florida and across country. There have already been huge numbers of foreclosures, and there are so many in the pipeline,...

April 8, 2011

Florida remains near the top in the country in foreclosure filings.

Florida remains near the top in the country in foreclosure filings. A recent report released by Florida's Office of the State Court's Administrator (OSCA) showing a marked decrease in its backlog...

We are very close to filing finally! It looks like we'll be filing ch7 the 2nd or 3rd week of February. On the advice of our attorney, I am applying for a loan mod with Wells Fargo on our 1st mortgage. The first payment for the loan mod will be due on Feb 1st. I'm curious what happens when we file...

December 21, 2010


TRUCKEE, Calif. — When Mimi Ash arrived at her mountain chalet here for a weekend ski trip, she discovered that someone had broken into the home and changed the locks.

Arriving at her home in Truckee, Calif., Mimi Ash found it had been cleared...

My husband and I have been fighting with Wells Fargo for over ten months now to get a loan modification after constantly sending in paper work, and retrying this each time, they decided that they were not going to give us a modification. They say they will send us a letter when the sale is set on the...

Ok, I'm freaking out here. I have a plan, but looking for some advice.

Per Mich Law, I had a mediation mtg in July with servicer and their lawyer. They proposed a great mod that puts my payment back to what it was before they raised it.
We were grateful and said we'd look for...

Has anyone REALLY got a mortgage modification. I tried and got rejected. Not 4 days after receiving that letter and talking with the bank, I get another packet telling me to apply for a modification. WTH??? The last time the reduction was a joke just a $100 decrease) and I cashed outsome of my 401k...

Ok, so my wife and I are just about to file. It has been a long few months, but this forum has been great!

We met with our attorney last week and he had an interesting suggestion and I wanted to get some feedback/thoughts about it...

Our initial proposed payment was...

Has anyone been approved for a loan modification and the loan negotiator told you inorder to have the new loan mod approved, you will need to have court approval and the judge/trustee must agree to the terms.

In my instance, they changed my interest rate and now I am in a fixed...

Is there anyway I can get a guide for learning more about President Obama's Homeownership Affordibility Program (HAMP)?

Well my 341 meeting is scheduled for 3/31/2009. I've got questions????
I filed Chapter 7, and do have an attorney.
I signed a home loan modification agreement with Countrywide a week before I filed, I also have a 2nd home loan.

- Should I meet with my attorney again before...

I looked through this section of the forum and didn't find the answer to my question... but I apologize if this subject has been beaten to death already!

We bought our house from a builder, through their in-house lender, in Oct. 2006. They were trying to close as many sales as possible...

HR200, a bill pending in Congress to allow for mortgage modification in chapter 13 bankruptcy, may be brought to the floor of the House of Representatives by Wednesday or Thursday of this week. Supporters should call or fax their members of Congress today or tomorrow. This law change will help people...

Hi All --- does anyone know the type of "Motion" an attorney needs to file in regards to asking the mortgage company permission to have the mortgage revised during my chapter 13 payment plan (60 months probably)?

Quick background - this is a second home that is part of my family...