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**LuciluS** · 04-13-2009, 08:02 PM

AllMixedUp

Here is the Means Test written by a member on this forum.

Attention Required! | Cloudflare

http://www.johnfire.com/meanstest/wizard.php

Luci

Here is some info on Loan Modifications

The Fannie Mae website has even more info now:

Page Not Found - 404 | Fannie Mae

http://www.fanniemae.com/index.jhtml

Try using our search tool or return to our homepage. Search Home

and here the financialstability.gov site that was temporarily up is now replaced with:

MHA | Making Home Affordable

http://www.makinghomeaffordable.gov/

This borrower FAQ is pretty informative:

Housing

http://www.makinghomeaffordable.gov/...orrower_qa.pdf

This page provides general background and information on the housing programs established by Treasury under TARP. The MHA program expired on December 31, 2016, however, help may still be available through your mortgage company or through the Homeowner Assistance Fund.Consumer Fraud AlertIn the beginning of 2009, the U.S. economy was facing the fallout from a housing bubble that by some measures had doubled home prices in a period of six years. By the time the Obama Administration took office in January 2009, home prices had fallen for 30 straight months. Home values had fallen by nearly one-third. Fannie Mae and Freddie Mac had been in conservatorship for four months, and American families were struggling to buy and keep their homes.In February 2009, President Obama announced a number of steps to strengthen the housing market and help struggling homeowners avoid foreclosure. As part of this broad response to the housing crisis, Treasury, under TARP, established two central programs, Making Home Affordable® (MHA) and the Hardest Hit Fund® (HHF).In December 2016, the Making Home Affordable (MHA) program expired. Although this resource is no longer available to homeowners, help is still available. Mortgage companies will continue to offer assistance. Contact your mortgage company or lender directly to inquire about available solutions.Key FactsTreasury, under TARP, launched Making Home Affordable® (MHA), to provide mortgage relief to homeowners and prevent avoidable foreclosures.The cornerstone of MHA was the Home Affordable Modification Program (HAMP®), which permanently reduced mortgage payments to affordable levels for qualifying borrowers. MHA expanded to include a number of other specialized programs.Treasury also introduced the Hardest Hit Fund® (HHF), which helps those states hardest hit by home price declines and high unemployment to develop locally-tailored foreclosure prevention solutions.Treasury's programs are part of a wider government response designed to help homeowners, preserve communities, and keep mortgage rates affordable for families.Programs at a GlanceMaking Home Affordable® (MHA)The Making Home Affordable Program® (MHA) provided mortgage relief to homeowners to prevent avoidable foreclosures. This included the Home Affordable Modification Program (HAMP), which permanently reduced mortgage payments to affordable levels for qualifying borrowers. MHA expanded to include a number of other specialized programs. MHA helped over 1.8 million families obtain mortgage relief and avoid foreclosure. MHA expired in December 2016.Hardest Hit Fund (HHF)The Hardest Hit Fund® was created to provide targeted aid to families in states hit hard by the economic and housing market downturn. The participating states were chosen either because they are struggling with unemployment rates at or above the national average or steep home price declines greater than 20 percent since the housing market downturn.

The details of Obama's Loan Modification HASP can be found here:

Front page | U.S. Department of the Treasury

http://www.treas.gov/press/releases/...guidelines.pdf

U.S. Department of the Treasury

The Department of Treasury is here:

Front page | U.S. Department of the Treasury

http://www.treas.gov/initiatives/eesa/

U.S. Department of the Treasury

Hope this helps. Like I said, this Forum is very helpful and utilizing the Search feature is how I found the above information.

Luci

**2muchcc** · 04-14-2009, 08:10 PM

If you have been working two jobs and are only treading water, then you have given it your best shot. In my opinion, your second job should be what you use to get ahead and pay down the debt in a few years. With a light at the end of the tunnel it, working two jobs is forward progress. I commend you for fighting so hard, and it sounds like people who know you understand that you did all you can.

If bankruptcy is what you decide to do, the people here will be like the light tower guiding through the dark scary seas. This thread is not typical, most people are informative and supportive.

If you are still on the fence about bankruptcy, you may want to meet with a financial counselor. Make sure the counselor is not trying to sell you anything. Some churches have great counselors.

Whatever you decide is best for your family, you will get though it.

**FLBK7** · 04-15-2009, 03:17 PM

Originally posted by CompTweaker View Post

You know what, Im going to sacrifice myself to being banned in telling you to SHUT THE **** UP YOU ****ING TROLL, AND KISS MINE AND EVERYONE ELSE"S ASS WHO ARE HERE TO DISCUSS BK AND OUR FINANCIAL HARDSHIPS!!!

IM SENDING YOU THE MIDDLE FINGER, TELLING YOU THAT YOU'RE THE #1 ASS H***!! YOU DO NOT COME HERE TRYING TO HELP ANYONE BUT YOURSELF SEEKING ATTENTION TO THE LIKES I AM FEEDING YOU!!!

YOU'RE A WASTE OF DNA AND I FEEL SORRY FOR THE GENE POOL THAT YOU HAVE PERMANENTLY VIOLATED WITH YOUR VILE AND PRETENTIOUS STAIN!!!

I apologize Mods and Admins, but this ASS needs to be put in his/her place.

I learned a long time ago that the best way to deal with trolls is simply....... ignore them. It's attention that they crave. When they get no attention, they go searching for other trolling grounds.

**fltoo** · 04-15-2009, 05:16 PM

Originally posted by FLBK7 View Post

I learned a long time ago that the best way to deal with trolls is simply....... ignore them. It's attention that they crave. When they get no attention, they go searching for other trolling grounds.

I agree. It is also the best way to deal with people who resort to name calling and vulgarities in an argument.

I say we ignore this whole thread.

**Allmixedup** · 04-16-2009, 04:01 AM

Thank you!

Thanks to those who have given some great advice! Me and hubby did see an attorney and are looking into filing chapter 7 and surrendering our house. I am behind and don't think I can get it caught up before filing. Also, in the long run I don't think we can really afford this house anyways. The taxes aren't included and every summer we are scrambling trying to find a way to get that paid. If you are taking the emotion out of it, then I am sure that is what is best.

**sisterfunkhaus** · 05-04-2009, 07:43 AM

Originally posted by mymom

I personally know of seven BKs and 6 were BK abuse caused by laziness and materialism.

What proof do you have that they were BK abuse? Are you their attorney or BK judge? Did you see all of their financial documents and paperwork? Are you their financial planner?

Outside observations aren't always what they seem. Things are often far different on the outside looking in. Chances are, you know little to nothing about the truth unless you are a trained insider like a BK attorney, judge, or FP for these people.

**sisterfunkhaus** · 05-04-2009, 07:45 AM

Originally posted by mymom

The fact is that some people come to this forum looking for all types of advice and not just pro-BK advice.

What kind advice/help do you need? You can find expert answers to most questions using Google. It takes 5 seconds. If you need support and advice b/c you are filing BK, I will be happy to help as will many on here.

**CompTweaker** · 05-10-2009, 02:03 AM

I am very, very sorry AllMixedUp for my behavior in this thread of yours. I get pretty defensive when it comes to personal attacks on people here who are already going through a difficult time. But two wrongs dont make a right and I should have kept my composure.

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