My Ch7 was discharged in Feb 2012, where I stated I would give up the home. Both my primary mort anf HELOC were with the same bank (WF) and both loans were included in discarge.

They started Foreclosure, and I called the bank to see if a modification was posible. They said yes it was,...

I read online today that there are brokers that you can hire that will find banks willing to offer a refinance (so they basically do a lot of the work for you.) Has anyone on this board used a broker like this before? We are trying to refinance our house and have been turned down by two places.

Due to thousands of requests and a great need to help struggling homeowners in California, NACA kicks-off the First Save-The-Dream Event of 2011 in Los Angeles Jan.20th - 30th . The Save-The-Dream Tour will make their second stop in Phoenix from Feb 4th – 7th. All services from our HUD certified,...

We had our 341 meeting a couple of weeks ago. So far in Pacer it states "341 held and concluded" and "Awaiting discharge" So hopefully things are moving as they should. Anyways, we planned on not keeping the house because it is underwater by about $65,000.

We have...

Hello, great discussion board. Lot's of wonderful information.

Wife and I going to be filling ch7 next month and are thinking of going late on house payments to get bank to possibly work a loan modification with us. Question is how will late payments affect the ch7 filing. We do want...

I filed chapter 7 . It was discharged last August ,but the case has not closed yet.My modification of my first mortgage was approved by the mortgage company last August, but they will not complete it until the case is closed.My Wife and I are both listed on the mortgage,only I filed Bankruptcy.Will...

I just went on PACER today and saw that BAC filed a Motion for Relief in order to foreclose 2/2... my 341 was 2/1.... Prior to filing I was in the process of a modification and had completed the trial period back in October... had kept modification payments current while waiting for final modification...

I am trying to work something out with my first (80%) and second (15%) mortgages based on my new, lower income. I am 6 months out of my discharge on a Chapter 7.

The second mortgage holder has agreed to settle for about 10% of the loan, but the first mortgage holder has been downright...

OK all you lawyers out there... I am not looking for legal advise, just your opinion. If any of you know any divorce law that'd be great too.

In my divorce settlement it lists all the debts, and who is responsible for paying them. It also states that they are to be considered family support,...

Hi,

I'm new to BKFORUM and need advice. I just got a modification from BofA last month and will begin making my new payment. I also need to file Chapt. 7, but I'm afraid BofA will rescind the modification. Since I'm going to file for a BK, will the bank stop taking my mortgage payment...

Hi All -- ok I know I have asked previously about modifying my investment home and the topic of modifying that mortgage, but here is my next question:

1. I understand second homes/vacation homes/investment type properties mortgages can be modified when I file Chapter 13. The current...

Filing Chapter 13 in April 2007 took a lot of stress off. But, I could not relax knowing that my ARM would adjust in Dec. 2008. So, I kept searching for a way out of a bad mortgage decision. When the FHA Hope and other programs were announced, I called. No help for me. So, I finally called ASC (Wells...

After LONG and sometimes heated conversation with my DF we are going to hold off on getting married until after the plan is complete.

I found out yesterday that the cost of putting a second child in daycare is, well, HIGH. For my toddler and an infant it will balloon from $163 a week...