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	<title>Mortgage Modification - Bankruptcy - Creative Financing &#187; Mortgage Modification</title>
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	<link>http://mortgage-modification-attorney.com</link>
	<description>By James Robert Deal - Attorney</description>
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		<title>Debt Settlement</title>
		<link>http://mortgage-modification-attorney.com/debt-settlement/</link>
		<comments>http://mortgage-modification-attorney.com/debt-settlement/#comments</comments>
		<pubDate>Mon, 14 May 2012 04:49:34 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[debt settlement]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1185</guid>
		<description><![CDATA[Don’t File Bankruptcy! by Douglas Jacobs, California Bankruptcy Attorney That’s the cry of the “debt settlement” industry.  They claim that they will help you rid yourself of debt without bankruptcy. If you avoid the out-right crooked companies, can they do it?  Sure… But at what cost? There are two types of these companies. One, simply [...]]]></description>
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		<title>Bank of America Principal Reductions</title>
		<link>http://mortgage-modification-attorney.com/bank-america-principal-reductions/</link>
		<comments>http://mortgage-modification-attorney.com/bank-america-principal-reductions/#comments</comments>
		<pubDate>Tue, 08 May 2012 16:57:57 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1176</guid>
		<description><![CDATA[Bank of America has started sending letters to thousands of homeowners in the United States, offering to forgive a portion of the principal balance on their mortgages by an average of $150,000 each. The reduction for qualifying homeowners could amount to monthly savings of up to 35 percent on mortgage payments, Bank of America said [...]]]></description>
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		<title>Wells Fargo and Robo Signing</title>
		<link>http://mortgage-modification-attorney.com/wells-fargo-robo-signing/</link>
		<comments>http://mortgage-modification-attorney.com/wells-fargo-robo-signing/#comments</comments>
		<pubDate>Sun, 22 Apr 2012 04:50:15 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Robo Signing]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1167</guid>
		<description><![CDATA[By Travis Waldron, Think Progress Posted on April 20, 2012, Printed on April 21, 2012 http://www.alternet.org/newsandviews/907008/wells_fargo_insiders_detail_foreclosure_fraud_practices%3A_%E2%80%98it%E2%80%99s_exactly_like_an_assembly_line%E2%80%99 &#160; That Wells Fargo has fraudulently processed mortgage documents using a process called robo-signing has been evident for nearly two years, since scandal enveloped the mortgage industry in 2010. That it kept doing it even after the scandal broke has been known for [...]]]></description>
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		<title>Is consumer protection enough to fix housing?</title>
		<link>http://mortgage-modification-attorney.com/consumer-protection-fix-housing/</link>
		<comments>http://mortgage-modification-attorney.com/consumer-protection-fix-housing/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 09:40:29 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1162</guid>
		<description><![CDATA[Is consumer protection enough to fix housing? HW Magazine April 2012 by Christopher Whalen It is an election year and, no surprise, President Barack Obama is pushing his new Homeowner Bill of Rights that would slow or curb foreclosures when mortgage holders fall behind on their payments. In February, the progressive Center for American Progress [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Washington Supreme Court Hears MERS Case</title>
		<link>http://mortgage-modification-attorney.com/washington-supreme-court-hears-mers-case/</link>
		<comments>http://mortgage-modification-attorney.com/washington-supreme-court-hears-mers-case/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 20:59:29 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[MERS]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1158</guid>
		<description><![CDATA[WA State Supreme Court Hears Arguments in Case Against MERS &#160; “May a party be a lawful ‘beneficiary’ under Washington’s Deed of Trust Act if it never held the promissory note secured by the Deed of Trust?” &#160; That’s the key question the Washington State’s Supreme Court heard arguments in the potentially pivotal case, Bain [...]]]></description>
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		<title>How Many Kids Have Fluorosis?</title>
		<link>http://mortgage-modification-attorney.com/kids-fluorosis/</link>
		<comments>http://mortgage-modification-attorney.com/kids-fluorosis/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 09:51:28 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1155</guid>
		<description><![CDATA[4-1-12 Thanks to Paul Lamoreaux of Port Angeles who tracked down the information I needed: I wanted to know how many kids there are in the US age 12 &#8211; 15, because this is the group of which 41% has some degree of fluorosis. I wanted to show in plain numbers how many kids are [...]]]></description>
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		<title>Making Home Affordable Encourages Principal Reductions</title>
		<link>http://mortgage-modification-attorney.com/making-home-affordable-encourages-principal-reductions/</link>
		<comments>http://mortgage-modification-attorney.com/making-home-affordable-encourages-principal-reductions/#comments</comments>
		<pubDate>Sun, 01 Apr 2012 22:23:27 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1144</guid>
		<description><![CDATA[Making Home Affordable Encourages But Does Not Require Principal Reductions HAMP has increased financial incentives to servicers for principal reductions. However, servicers are not required to give principal reductions. See HAMP Supplemental Directive 12-01, issued February 16, 2012.]]></description>
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		<title>Principal Reductions May Be Coming</title>
		<link>http://mortgage-modification-attorney.com/principal-reductions-may-be-coming/</link>
		<comments>http://mortgage-modification-attorney.com/principal-reductions-may-be-coming/#comments</comments>
		<pubDate>Sun, 25 Mar 2012 07:40:38 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1142</guid>
		<description><![CDATA[Freddie CEO signals GSE principal reduction could be soon By Jon Prior • March 23, 2012 • 11:14am Freddie Mac CEO Charles &#8220;Ed&#8221; Haldeman gave a strong signal Friday that new incentives from the Treasury Department may be enough to start principal reduction on mortgages backed by the government-sponsored enterprises. In January, the Treasury said [...]]]></description>
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		<title>No Free House</title>
		<link>http://mortgage-modification-attorney.com/free-house/</link>
		<comments>http://mortgage-modification-attorney.com/free-house/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 04:22:59 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1140</guid>
		<description><![CDATA[Filing Bankruptcy And Getting Your Free House by Jay Fleischman, New York Bankruptcy Lawyer I’ve been meaning to tell you something for awhile now. It’s going to be a bitter pill to swallow, but it’s better that you know now rather than later. Someone’s be spreading around this rumor, and it’s annoying as all get-out. [...]]]></description>
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		<title>Lauren Willis &#8211; Condemn mortgages and write them down</title>
		<link>http://mortgage-modification-attorney.com/lauren-willis-condemn-mortgages-write/</link>
		<comments>http://mortgage-modification-attorney.com/lauren-willis-condemn-mortgages-write/#comments</comments>
		<pubDate>Thu, 22 Mar 2012 05:56:24 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1138</guid>
		<description><![CDATA[GUEST POST: Good for the Banks, Good for the Borrowers by Law Professor, Lauren E. Willis Good for the Banks, Good for the Borrowers By Lauren E. Willis, Professor of Law, Loyola Law School Los Angeles February 17, 2012 Beginning in 2007, the federal government took drastic action to save the nation’s banks. The banks [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>FHA refinancing program means savings for those who can qualify</title>
		<link>http://mortgage-modification-attorney.com/fha-refinancing-program-means-savings-qualify/</link>
		<comments>http://mortgage-modification-attorney.com/fha-refinancing-program-means-savings-qualify/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 22:22:52 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1130</guid>
		<description><![CDATA[FHA refinancing program means savings for those who can qualify The Obama administration&#8217;s new plan to stimulate refinancings of FHA mortgages is likely to help large numbers of homeowners cut their monthly&#8230; By Kenneth R. Harney Syndicated columnist WASHINGTON — The Obama administration&#8217;s new plan to stimulate refinancings of FHA mortgages is likely to help [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Raise the Minimum Wage</title>
		<link>http://mortgage-modification-attorney.com/raise-minimum-wage/</link>
		<comments>http://mortgage-modification-attorney.com/raise-minimum-wage/#comments</comments>
		<pubDate>Fri, 02 Mar 2012 05:20:37 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Ralph Nader]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1121</guid>
		<description><![CDATA[Ralph Nader: Minimum Wage Needs To Catch Up With 1968 – OpEd Written by: Ralph Nader March 1, 2012 How inert can the Democratic Party be? Do they really want to defeat the Congressional Republicans in the fall by doing the right thing? A winning issue is to raise the federal minimum wage, stuck at [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>CA Attorney General Asks Fannie &amp; Freddie to Stop Foreclosing</title>
		<link>http://mortgage-modification-attorney.com/ca-attorney-general-asks-fannie-freddie-stop-foreclosing/</link>
		<comments>http://mortgage-modification-attorney.com/ca-attorney-general-asks-fannie-freddie-stop-foreclosing/#comments</comments>
		<pubDate>Thu, 01 Mar 2012 07:51:37 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1119</guid>
		<description><![CDATA[Atty. Gen. Kamala Harris ASKS Fannie and Freddie to Stop Foreclosing Did you hear about this?  California’s Attorney General, Kamala Harris has asked the Federal Housing Finance Agency, or FHFA, which is the government agency that is acting as conservator for failed mortgage behemoths Fannie Mae and Freddie Mac, to stop foreclosing in California until it [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Pooling and Servicing Agreement Look Up</title>
		<link>http://mortgage-modification-attorney.com/pooling-servicing-agreement/</link>
		<comments>http://mortgage-modification-attorney.com/pooling-servicing-agreement/#comments</comments>
		<pubDate>Tue, 28 Feb 2012 20:33:17 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1114</guid>
		<description><![CDATA[HOW TO FIND YOUR POOLING AND SERVICING AGREEMENT It may be very valuable to your case for you to have a certified copy of your Pooling and Servicing Agreement (“PSA”), your Prospectus and your Prospectus Supplement. The bank worked hard to hide it from you, and their attorney will probably stonewall you in discovery and argue [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Arizona asserting right to write down mortgages</title>
		<link>http://mortgage-modification-attorney.com/arizona-asserting-write-mortgages/</link>
		<comments>http://mortgage-modification-attorney.com/arizona-asserting-write-mortgages/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 03:26:11 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1112</guid>
		<description><![CDATA[Arizona’s SB 1451 – Does Arizona Have the Right to Save Itself from Drowning in Underwater Loans? Drowning in the desert.  The irony alone could kill you. Arizona’s Senator Michele Reagan (R-Scottsdale) is a very courageous politician.  This year she has introduced SB 1451, the “Housing Finance Reform Act of 2012,” a bill that would [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>40 Million McMansions</title>
		<link>http://mortgage-modification-attorney.com/40-million-mcmansions/</link>
		<comments>http://mortgage-modification-attorney.com/40-million-mcmansions/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 03:21:59 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1108</guid>
		<description><![CDATA[America has 40 million McMansions that no one wants By Christopher Mims 9 Feb 2012 11:12 AM &#160; Americans, especially generations X and Y, want shorter commutes, walkability and a car-free existence. Which means that around 40 million large-lot exurban McMansions, built primarily during the housing boom, might never find occupants. Only 43 percent of Americans prefer [...]]]></description>
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		<title>Second Mortgage Time Bomb</title>
		<link>http://mortgage-modification-attorney.com/second-mortgage-time-bomb/</link>
		<comments>http://mortgage-modification-attorney.com/second-mortgage-time-bomb/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 17:35:20 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1106</guid>
		<description><![CDATA[Chapter 13 Bankruptcy Time Bomb: Mortgage Modification  by Eugene S. Melchionne, Connecticut Bankruptcy Lawyer One of the major benefits of Chapter 13 Bankruptcy is the ability to avoid second mortgages that are not secured by any value in your home.  By following standards outlined in the Banrkuptcy Code, you can reclassify that loan on your home [...]]]></description>
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		<title>Ocwen Backs Principal Reductions</title>
		<link>http://mortgage-modification-attorney.com/ocwen-backs-principal-reductions/</link>
		<comments>http://mortgage-modification-attorney.com/ocwen-backs-principal-reductions/#comments</comments>
		<pubDate>Sun, 12 Feb 2012 07:00:22 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1104</guid>
		<description><![CDATA[Ocwen Backs Principal Reductions, Mandatory Outsourcing to Improve HAMP By: Carrie Bay 03/03/2010 Ocwen Financial Corporation has one of the industry’s most impressive track records when it comes to restructuring loans under the federal guidelines of the Home Affordable Modification Program (HAMP). Thecompany is converting trial mods to permanent status at a rate that is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Farmer &#8211; Fisher Chapter 12 Bankruptcy</title>
		<link>http://mortgage-modification-attorney.com/farmer-fisher-chapter-12-bankruptcy/</link>
		<comments>http://mortgage-modification-attorney.com/farmer-fisher-chapter-12-bankruptcy/#comments</comments>
		<pubDate>Sat, 11 Feb 2012 11:46:24 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1098</guid>
		<description><![CDATA[Chapter 12 Bankruptcy 2inShare by Douglas Jacobs, California Bankruptcy Attorney A largely forgotten form of Consumer bankruptcy is Chapter 12.  Although geared for a family farmer or fisherman, they are designed to be filed by consumers rather than companies. A Chapter 12 can be filed by a family farmer or fishermen. To qualify, more than [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage Settlement Reached: A Beginning, Not an End</title>
		<link>http://mortgage-modification-attorney.com/mortgage-settlement-reached-beginning/</link>
		<comments>http://mortgage-modification-attorney.com/mortgage-settlement-reached-beginning/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 16:20:34 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1095</guid>
		<description><![CDATA[Mortgage Settlement Reached: A Beginning, Not an End George Zornick on February 9, 2012 &#8211; 11:05am ET It’s finally here: a massive settlement, worth $25 billion, with five major banks over mortgage fraud abuses. The federal government and forty-nine state attorneys general—Oklahoma’s Scott Pruitt wouldn’t sign on because he doesn’t think banks should see any [...]]]></description>
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