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Apply for HAMP mod before or after filing?

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    Apply for HAMP mod before or after filing?

    Does anyone know if it's better to apply for the loan modification before or after filing BK? They ask if you've filed BK in the application. Not sure if I should say yes, even though we haven't YET; say no; or wait until we have to apply.

    We have CCs that we are discharging as well as letting a leased vehicle go, so if they consider your other bills in your application, that would make a difference, as we can no longer afford all of these things and our mortgage, even if it's reduced!

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