lies is all they tell…The middle class is in need of some serious debt relief…not more payments…don’t forget many have said The debt in this country is unsustainable because Wall Street rang themselves up with around 1.2 Quadrillion in collateral fraud, those derivatives they created out of thin air…it is all backed by zero…..more than the World GDP for the next freaking 40 years….I won’t be forced to become a slave to that fraud…..!
http://www.dailyfinance.com/2010/06/09/risk-quadrillion-derivatives-market-gdp/

lies is all they tell..I am sure that you know that a Chapter 13 is a restructuring of your debt. 2 different attorney’s advised me not to do a Chapter 13 because it does not eliminate debt…The attorney told me my mortgage payment would be 5 G a month…He asked me if I could pay that and I said hell no…They only allow you to keep what amounts to a few cents in your pocket a month for food and neccessities….THAT IS NOT FREEDOM…THAT IS SLAVERY!..They put you on a TIGHT budget is what the attorney told me……It is b.s., the same as extortion if you ask me..It is like pay up or get out..B.S. .If I could afford 5 G a month, I don’t think I would be in BK…..I would rather fight the fraudclosure..I want a Judge to look me in the eye and tell me this pretender lender has a legal right to take my home away. ..It looks to me like the latest trick up the Government(s) sleeves is trying to force mediations with the pretender lenders and if that does not work, they are trying to force us into Chapter 13 BK…and force that mortgage payment down our throats…Why not Chapter 7 and liquidate the debt and fight the fraudclosure? I don’t know, I am not an attorney but it looks to me like there is some Blackmail and Extortion going on here by the Government(s)…I had an attorney tell me just file Chapter 7 NOW…Bankruptcy is NOT going to save your home from fraudclosure….This is a business decision you and your husband will have to make..

thank you for your info. it is funny how lawyers go to school but do not keep up to date. yes 5 years ago foreclosures and bk’s were alot different. today 25% of florida is underwater with no jobs available that pay a living wage to get caught up. right away this woman on the phone telling me i lose my house in chapter 7. how ignorant. doesnt it make you mad that if i would have took out a home equity loan it could have been lien stripped.
i didnt, but i should not be punished. yet it seems the folks that took the home equity have their home saved somehow. i put my 20% down. the woman on the phone made it sound like i would give up my home. ???? thi is a confusing situation to be in. i/wells fargo scammed me out of my mortgage. i tried to explain to her i was current when they told me not pay. its a terrible situation to be in. i am trying to get some help from the senator marco rubios office but all wells fargo does is say mores on top of lies. hence my screen name. it has been lies on top of lies since 2009 for me . our credit score was a 789 before his s tarted. the judges should start looking at that. it says alot about a couple after 20 years of marriage non-verablly. we worked very hard all our lives to pay our bills on time. sad be brought to our knees like this because florida has no more jobs

First, research that attorney to make sure they do not just file the BK Schedules and then disappear after setting the BK filing up to fail.

IF you find the firm is not doing that scam, then you need to determine if you can afford a monthly payment to the BK attorney as well as take care of basic fees such as your utilities, insurance and the like and still have SOME money to be paying to the BK Trustee. NOTE: I am NOT saying to add in all the credit cards or the mortgage or other DEBTS that will be entered into the BK filing.

If you can swing THAT, then what you want the BK filing to have is the Mortgage listed as DISPUTED. If your title the property is clouded by the improper assignments, then the value of the property is also in question.

Go with filing the Chapter 13. Your schedules will NOT show you making a payment to the mortgage. The other creditor will be paid from what you can provide the trustee. You will need to do an adversarial filing against the supposed creditor on your mortgage.

If you can not do that, then a Chapter 7 where you dispute the value of the property and dispute the mortgage might still have a chance of you fighting for the house. Chapter 13 is more desirable but 7 may work if you can get the mortgage Even in Chapter 7 some adversarial filings have worked.

I’m not an attorney, but talk to that attorney some more about EXACTLY they would do via the BK. Find one who knows how to FIGHT for your property. Many BK attorneys do not know this area of REAL ESTATE or TITLE law in BK court. Learn the pros and cons before you dismiss BK as a route that will not work.

Marilyn, seems like the corruption is in every state now.,..Spread like a plague…The whole mortgage derivatives scheme was devised here…..in Chicago…we have some of the sneakiest criminals on the planet here Bill Ayers who was born in Oak Park Ill and Bernadine Dorhn were two notorious figures of the radical weather underground from the 60’s,they are some of Obamas cohorts…Bill Ayers is a professor at UIC .His wife Bernadine Dorhn is a law professor at Northwestern ..Did you know Hillary Clinton is from Oak Park Ill a suburb of Chicago?…Michael Savidge said on his radio program a couple of months ago that Chicago is running the world…. I find it no coincidence that Rahm Emmanuel became our mayor after he said that that is his dream job…..and then Daley stepped down… Michael Savage has mysteriously disappeared from the air waves in Chicago as of about three weeks ago…All roads lead here. Even the Bush’s are heavily connected to Chicago… I believe Chicago is where the whole hidden power structure lies…. Here are some proof in this article.
http://www.skolnicksreport.com/ootar24.html

I vent…..Obama needs to be out of office….I feel this country has had enough of his asinine remarks….and he has gone along with the enemy all along…even before he got into office. As far as I am concerned all presidents for the past 30 years need to have all benefits, pensions, security stripped from them….and charged with Treason….not one deserves to be on the outside of the steel bars…..they are all the enemy from within along with many others….and that includes all the vice-presidents…..put Cheney in front of the microwave and start it up…his pacemaker will do the rest…and Bush goes to the countries that want him for war crimes…we will deal with the rest…..The world will not forgive and forget……end the Federal Reserve and the rest of the bastards will go down…..than we will hear the pigs squealing…..it will be music to our ears.

I vent….Yes, Chicago and/or the state of Illinois does have it’s share of criminal crooks…..seems it always has. But Florida has them also….they are worse than cockroaches….they even work in the dark ( hidden) turn the lights on and they scatter….But I must say this Mitt Romney has some guts to speak about the foreclosures…..he just cut his own throat……that is politician suicide…..

LOL….Rob…I must be thinking of a good pastry….in my comment above I said ‘ bakers ‘ instead of bankers….and my mind controls what I am thinking…LOL oh lord…a coffee and a pastry sounds great compared to thinking of the bankers….

Hey I vent…there is plenty to pay back….even beyond messing the titles up….bet the Bushes are in South America in their compound of 100,000 acres…..where has Billie boy been lately.( well, he thinks he is young guy ) he was so connected to the White House before (Lately) and now he has disappeared from sight….now that his past has been up front….keep the people informed and tell them to pass the word or words….need it to get to everyone….everyone in this country will be doomed if the country does come together….we must vote them out……