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Ambrogio, Pletter & Associates, LLC
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Please enjoy this testimonial by one of my clients. If you are facing hard financial times, let us help you.

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Please watch my new video and share with your friends that feel trapped by credit card debt.

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Betty lost her job and was deeply in debt. Watch her video testimonial explaining how Ambrogio, Pletter & Associates helped her save her home from foreclosure and get out of debt.

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I have already gotten several loan modifications and I have fallen behind again. What are my options now? Is it too late to save my home? Chapter 13 bankruptcy might be the answer.

If you have received a loan modification and modified your home mortgage, either through the Obama Plan (HAMP) or some other modification program, you may be able to request a new modification if you have defaulted on your first modification. 

There is a program called HAMP Tier 2 that may allow you to modify your mortgage if you have fallen behind with your HAMP 1 modification.  

Some lenders will consider modifying your loan even if you have had one or two or even three prior modifications.  In recent months I have been seeing 40 year term loan modifications for clients that defaulted on their prior 30 year modification.

If your mortgage company refuses to modify your mortgage again, you should consider filing Chapter 13 bankruptcy.  A Chapter 13 bankruptcy allows you to pay the arrearage back to the mortgage company over 60 months. In addition, every month you must pay your mortgage payment to the mortgage company.  In other words, you will be paying two payments every month; one to the mortgage company and one through the bankruptcy court towards the amount you are behind.  The mortgage company cannot stop you from doing this. As long as you can afford to make the payments the court should approve your Chapter 13 plan.  
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