Bankruptcy Blogs

Many people who have considered bankruptcy are aware of the fact that bankruptcy treats secured and unsecured debts very differently.  If most of your debt is secured, should you even consider bankruptcy? If not, what are your other options? Secured debts are debts that are attached to your assets.  A home mortgage is a good [...]

‘Tis the season when bankruptcy trustees are taking tax refunds. Potential tax refunds MUST be disclosed on your petition just like your couch and car.  Not disclosing your State and Federal tax refund is often a sure way to forfeit your tax refund.  The problem with tax refunds is usually there is no specific exemption [...]

For the last few years, I have witnessed a steady stream of homeowners flowing through my office who are dumbfounded by their inability to get a mortgage modification.  And for years, I have been telling them all the same thing:

YOUR SERVICER DOESN’T WANT TO MODIFY YOUR LOAN!