A little over a year ago, I requested a loan modification agreement while I was employed full-time. January 2015, I lost my job and filed for unemployment where I collected for 6 months until my benefits ran out. Unfortunately, I still have no job. There was a 3 month trial period, which my sons... View More
That is a tough one. It is true that you can qualify for a modification once every 12 months, HOWEVER, if there is a change is circumstances, then you could always apply again. I would call the bank and find out what your options are. If you still need help, feel free to call me.
Yes you can. Depending on your state exemptions, you can exempt any anticipated tax returns. I would call a local attorney to help you through the process and make sure that is the case for your district.
If you filed bankruptcy and you included your 2nd MTG in it, then you are not financially obligated to pay it. However, this can impact your home. You should call your bankruptcy attorney to help you.
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