I am starting this thread as I have done a bit of research due to the posts that say one must reaffirm the mortgage. What I have found has made me conclude that the requirement to reaffirm (which I believed there was none) depends upon the Circuit you are in. In those Circuits (majority, including...

In our 341 today our trustee started his session by saying that there were loan mod appers in the back of the room and feel free to tak one to help if you need it. So Now I'm wondering if I can get a loan mod?

I have recently paid my retainer in full to file chapter 7 and I meet with my attorney's office on Tuesday to go over all my documents. In order to pay the attorney, I fell behind on my mortgage payment. I am currently 45 days behind and am on a payment plan. I plan to catch myself up completely...