PLEASE FORGIVE THE CAPS AND SIZE, DUE FOR CATARACT REMOVAL THIS COMING WED.., JULY 21, 2010... OK SO WE'VE FILED AND WE DO THE 341 THING JULY 30, IN CLARK COUNTY, LAS VEGAS, NV. I'M A POLIO SURVIVOR AND MY CAR HAD TO BE MODIFIED FOR MY MOBILITY. WE ARE SOON TO BE 64 AND 72 IN AGE. WE FEEL OUT OF RUNWAY ROOM, AND FIXED INCOME, I'M STILL ON SSDI TO AGE 66, THEN REGULAR SOCIAL SECURITY BEGINS. MY H IS ON FIXED RETIREMENT AND DUE TO HIS EX WIFE'S GAMBLING, SHE WENT THROUGH OVER 100 k, HE HAD TO RETIRE AT AGE 67 WITH FULL BENEFIT AND NO SURVIVOR BENEFIT. HE TOOK OUT A TERM LIFE INSURANCE TO AGE 85, I HOPE THE COURT DOESN'T MAKE US STOP THAT PAYMENT, IT IS ABOUT 300. A MONTH, BUT IT WOULD BE ALL I WOULD HAVE. OUR HOUSE IS NOW WORTH 144,000. WE OWE 233,000. BANK OF AMERICA TOLD US WE WERE IN A TRIAL PERIOD MODIFICATION AND LOWERED THE PAYMENT, JUST PRIOR TO FILING THE BK WE LOOKED ONLINE AND SAW THAT WE WERE IN ARREARS THEN BY 3000. NOW IT'S MORE LIKE DOUBLE THAT, AND THEN SOME., WE WERE ALSO TOLD THAT THE MOD WAS DECLINED, 4TH TIME UP TO BAT. THEN WE GOT A STATEMENT JUNE 30 THAT SAID TO KEEP MAKING THE MODIFIED PAYMENTS, EVEN THOUGH THE TRIAL PERIOD ENDED IN APRIL. WE DON'T KNOW WHETHER TO GO SAILING OR START PACKING. THERE IS NO ONE HERE TO PHYSICALLY HELP US MOVE, AND WHERE TO ANYWAY? NOW THAT WE ARE IN BK, WOULDN'T IT MAKE SENSE THAT THE B OF A WOULD THINK OF US AS A BETTER RISK THAN PRIOR TO THE BK? WELL THE ATTY TOLD US THAT IT'S A LITERAL CRAP SHOOT AS TO WHETHER THEY WILL TAKE THE HOUSE OR LET US STAY WITH THE MODIFIED PAYMENT OR JACK IT BACK UP. IF THEY DO INDEED JACK IN BACK UP, WE'RE OUT OF HERE ANYWAY, WE CAN'T AFFORD IT EVEN WITH THE BK. WE CAN MAKE THE MODIFIED. WHAT ARE THE CHANCES WE WILL STAY HERE, AND HOW LONG WILL IT TAKE BEFORE DISCHARGE IF WE FILED JUNE 23, AND THE 341 MEETING IS A WEEK FROM THIS COMING FRIDAY, JULY 30? A LONG TIME? WILL THE B OF A THEN DO WHATEVER THEY ARE GOING TO DO AFTER THE DISCHARGE? WE TRIED TO ACCESS THE B OF A MORTGAGE, AND ARE NOW LOCKED OUT. WE TRIED TO CALL AND WERE GIVEN FROM ONE PERSON TO ANOTHER, AND NO ONE SAYS THE SAME THING, WE'VE HEARD IT ALL, INCLUDING THAT LESS THAN 4 % OF ALL B OF A (OR OTHER LENDERS TOO, WHO KNOWS) ACTUALLY GO THROUGH...TRUE? EVEN OUR ATTY SAID THAT WAS ABOUT RIGHT, ABOUT 4 % OR LESS. IF YOU'RE OUR AGE, THAT DOESN'T LOOK TOO GOOD. ON TOP OF IT, WE HAVE VERY GOOD HEALTH INSURANCE BUT IT'S ONLY GOOD WITHIN 100 MILES OR INSIDE 100 MILES OF CLARK COUNTY, IN OTHER WORDS IF WE LEFT HERE AND WENT BEYOND THAT 100 MILES WE WOULD LOSE THE BEST HEALTH INSURANCE THROUGH THE COUNTY WE HAVE EVER HAD, AND THAT'S TOO SCARY TO THINK ABOUT. WE'RE BOTH ON EDGE, SCARED AND HAVE NO IMMEDIATE HELP, RECOVER FOR US AT OUR AGE IS VERY SCARY. DOES ANYONE KNOW ANY ANSWERS, SORRY FOR THE LENGTH OF THIS, BUT THAT'S ABOUT WHERE WE'RE AT. THANKS ANYONE.