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	<title>National Bankruptcy Forum &#187; Mortgage Modification</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<title>Seeking Mortgage Modification? The Federal HAMP Program Explained</title>
		<link>http://www.nationalbankruptcyforum.com/mortgage-modification/seeking-mortgage-modification-the-federal-hamp-program-explained/</link>
		<comments>http://www.nationalbankruptcyforum.com/mortgage-modification/seeking-mortgage-modification-the-federal-hamp-program-explained/#comments</comments>
		<pubDate>Wed, 17 Aug 2011 19:33:38 +0000</pubDate>
		<dc:creator>John O'Connor</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Obama mortgage plan]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7018</guid>
		<description><![CDATA[HAMP Explained In response to the nationwide real estate crisis, the Obama Administration unveiled the Homes Affordable Modification Program (HAMP) in 2009 as part of the more comprehensive Making Home Affordable (MHA) Program. HAMP was initially funded with $50 billion in Wall Street bailout money and $25 billion from taxpayer-owned Fannie Mae and Freddie Mac. [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/mortgage-modification/seeking-mortgage-modification-the-federal-hamp-program-explained/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Bankruptcy Affect My Loan Modification?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/will-bankruptcy-affect-my-loan-modification/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/will-bankruptcy-affect-my-loan-modification/#comments</comments>
		<pubDate>Sat, 23 Jul 2011 00:27:03 +0000</pubDate>
		<dc:creator>Jon G. Brooks</dc:creator>
				<category><![CDATA[California Bankruptcy Laws]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6471</guid>
		<description><![CDATA[Whether a debtor files Chapter 7 or Chapter 13, her bankruptcy should have no effect on an already completed loan modification, whether the homeowner is making payments under a trial modification or a permanent one as long as the homeowner continues to make his or her payments. One potential pitfall that may arise, however, is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Mortgage Modification be Achieved by Suing My Lender?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-13/file-a-lawsuit-to-finally-achieve-mortgage-modification/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-13/file-a-lawsuit-to-finally-achieve-mortgage-modification/#comments</comments>
		<pubDate>Wed, 24 Nov 2010 22:11:25 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Adversary Proceeding]]></category>
		<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[California Bankruptcy Laws]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[adversary proceeding]]></category>
		<category><![CDATA[mortgage modification strategies]]></category>
		<category><![CDATA[Mortgage Modification: Second Mortgage]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2912</guid>
		<description><![CDATA[When most people think of mortgage modification, suing your lender is not the first thing that comes to mind. Maybe it should be. In some cases, filing for chapter 13 bankruptcy can force a lender to modify your mortgage by filing a lawsuit to strip your second and third mortgage liens. If you owe more [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Congressman Filner (D-San Diego) helps stop an eviction, helps 150 others with &#8216;loan modifications&#8217;.</title>
		<link>http://www.nationalbankruptcyforum.com/mortgage-modification/congressman-filner-d-san-diego-helps-stop-an-eviction-helps-150-others-with-loan-modifications/</link>
		<comments>http://www.nationalbankruptcyforum.com/mortgage-modification/congressman-filner-d-san-diego-helps-stop-an-eviction-helps-150-others-with-loan-modifications/#comments</comments>
		<pubDate>Mon, 25 Oct 2010 20:29:23 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Debt Relief Legal Clinic]]></category>
		<category><![CDATA[filing bankruptcy in San Diego]]></category>
		<category><![CDATA[John Colwell NACBA Board of Directors]]></category>
		<category><![CDATA[San Diego bankruptcy attorney]]></category>
		<category><![CDATA[San Diego bankruptcy news]]></category>
		<category><![CDATA[stopping eviction]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2356</guid>
		<description><![CDATA[Last month, one of our local Congressmen, Bob Filner, took the extraordinary step to assist one of the many troubled San Diego homeowners, by helping to prevent an eviction after a foreclosure. Prior to this action, Congressman Filner had been attempting to help the homeowner with her own loan modification, as he continues to help over [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/mortgage-modification/congressman-filner-d-san-diego-helps-stop-an-eviction-helps-150-others-with-loan-modifications/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Benefits of Chapter 13 Bankruptcy: Getting Caught Up, Retain Non-Exempt Assets</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-13/benefits-of-chapter-13-bankruptcy-getting-caught-up-retain-non-exempt-assets/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-13/benefits-of-chapter-13-bankruptcy-getting-caught-up-retain-non-exempt-assets/#comments</comments>
		<pubDate>Sat, 16 Oct 2010 18:09:16 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[bankruptcy and credit card debt relief]]></category>
		<category><![CDATA[bankruptcy attorney consultation]]></category>
		<category><![CDATA[bankruptcy attorneys and chapter 13 bankruptcy information]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[getting out of credit card debt while retaining property]]></category>
		<category><![CDATA[how can I modify a mortgage? File bankruptcy?]]></category>
		<category><![CDATA[protect co-signor]]></category>
		<category><![CDATA[reduce credit card debt]]></category>
		<category><![CDATA[stripping second mortgage lien in bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2544</guid>
		<description><![CDATA[What Are the Benefits of Chapter 13? Catch Up On Past Due Mortgage Payments: Chapter 13 bankruptcy has many benefits, perhaps the best known of which is the ability to stop foreclosure and allow a homeowner to get caught up on past due mortgage payments. In the event that you have fallen behind on your mortgage, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why You Need to Know About Lien Stripping in Chapter 13 Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/mortgage-modification/second-mortgage-strip-modify-chapter-13-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/mortgage-modification/second-mortgage-strip-modify-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 05:05:21 +0000</pubDate>
		<dc:creator>Tara Gaschler</dc:creator>
				<category><![CDATA[Colorado Bankruptcy Laws]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[bankruptcy attorneys]]></category>
		<category><![CDATA[benefits of chapter 13 bankruptcy]]></category>
		<category><![CDATA[Can't afford home]]></category>
		<category><![CDATA[Colorado bankruptcy laws]]></category>
		<category><![CDATA[house payments]]></category>
		<category><![CDATA[lien stripping in chapter 13 bankruptcy allows modification of mortgage]]></category>
		<category><![CDATA[modification of mortgage]]></category>
		<category><![CDATA[plan length of chapter 13]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2057</guid>
		<description><![CDATA[What if I told you you could get rid of your 2nd mortgage?  That&#8217;s right &#8211; never make another payment and have the lien on your house completely removed!  You would probably think that is too good to be true &#8211; right?   Wrong! It is possible to do exactly what I have outlined above utilizing [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/mortgage-modification/second-mortgage-strip-modify-chapter-13-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>If I walk away from my underwater house, can I be sued for the deficiency?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/if-i-walk-away-from-my-underwater-house-can-i-be-sued-for-the-deficiency/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/if-i-walk-away-from-my-underwater-house-can-i-be-sued-for-the-deficiency/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 21:49:45 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[deficiency judgment]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1960</guid>
		<description><![CDATA[With the current housing market in shambles, more and more people find themselves on the verge of foreclosure.  Many people find themselves in a situation where the property value is lower than it was when the property was first purchased.  This is what is referred to as an underwater mortgage, meaning that there is negative [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-myths/if-i-walk-away-from-my-underwater-house-can-i-be-sued-for-the-deficiency/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You an Appraisal Away From a Mortgage Modification?</title>
		<link>http://www.nationalbankruptcyforum.com/mortgage-modification/are-you-an-appraisal-away-from-a-mortgage-modification/</link>
		<comments>http://www.nationalbankruptcyforum.com/mortgage-modification/are-you-an-appraisal-away-from-a-mortgage-modification/#comments</comments>
		<pubDate>Mon, 05 Jul 2010 16:54:46 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[florida]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[underwater]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1899</guid>
		<description><![CDATA[PROBLEM: MORTGAGES AREN&#8217;T BEING MODIFIED Oh, how much easier life would be for homeowners if all that was needed for a mortgage modification was an appraisal. In today&#8217;s troubled housing market it does seem equitable, doesn&#8217;t it? Demonstrate to your lender that you owe far more than your home is worth, and of course, that [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/mortgage-modification/are-you-an-appraisal-away-from-a-mortgage-modification/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware Of Trial Mortgage Modification Programs</title>
		<link>http://www.nationalbankruptcyforum.com/consumer-alerts/beware-of-trial-mortgage-modification-programs/</link>
		<comments>http://www.nationalbankruptcyforum.com/consumer-alerts/beware-of-trial-mortgage-modification-programs/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 18:09:52 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[arrears]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[florida]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Nevada]]></category>
		<category><![CDATA[past due mortgage]]></category>
		<category><![CDATA[underwater house]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1652</guid>
		<description><![CDATA[Quite a bit of attention has been given on this forum to the difficulty of getting a mortgage modified. A few of the posts have suggested alternative paths to mortgage modification and of course second and third mortgages can be &#8220;stripped&#8221; or removed through chapter 13 bankruptcy.  However, many Americans are still pursuing the traditional path [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/consumer-alerts/beware-of-trial-mortgage-modification-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Mortgage Modification and the $35.01 TILA Mistake</title>
		<link>http://www.nationalbankruptcyforum.com/mortgage-modification/real-mortgage-modification-and-the-35-01-tila-mistake/</link>
		<comments>http://www.nationalbankruptcyforum.com/mortgage-modification/real-mortgage-modification-and-the-35-01-tila-mistake/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 20:22:38 +0000</pubDate>
		<dc:creator>Robert J. Haeger</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[TILA]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1688</guid>
		<description><![CDATA[One of the best ways to force your lender to agree to a real mortgage modification on your home applies if you refinanced your residence mortgage less than three years ago and your lender has started foreclosure proceedings. The federal Truth in Lending Act (15 U.S.C. §§ 1601 et seq.) is the best leverage to [...]]]></description>
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		<slash:comments>0</slash:comments>
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