Hi Mel I too was in the same position. I have hired an attorney I live in S FL the homstead protects your home in BK I am filing a BK 13 this will protect the home from foreclosure and we will be eliminating the second mortgage. That is all we can do right now. We are hoping and praying the cram down bill will pass. If that goes into law the BK judge will have the power to force the mortgage servicer to modify the loan its interest and return it to it original principle. Unfortunatley this bill is still in limbo. I am sorry if I have not been more help. I know exactly what you are going through. Hang in there. This site is also comforting although NACA was no help to me either.
