Hi, I am new in this forum and have been reading alot of what is on here and think this is probably the place that can help me. My husband and I are currently under Chapter 13 Bankrupcy which will end in July, and we have HSBC as our Mortgage holder. We had short period loan modifications before we entered bankrupcy due to hardship factors, but our mortgage is very high interest with a balloon, which I assume will happen when we are out of the protection of our bankrupcy in July. Does anyone have any advice for me? Do I need to get started now on doing a modification or am I going to have to wait. I know that HSBC fell under the government protection back about 6 years ago on these balloon subprime mortgages, but if anyone has any advice, that would be great!!