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	<title>Mortgage Modification - Bankruptcy - Creative Financing</title>
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	<link>http://mortgage-modification-attorney.com</link>
	<description>By James Robert Deal - Attorney</description>
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		<title>This may be the best time to modify</title>
		<link>http://mortgage-modification-attorney.com/this-may-be-the-best-time-to-modify/</link>
		<comments>http://mortgage-modification-attorney.com/this-may-be-the-best-time-to-modify/#comments</comments>
		<pubDate>Sat, 19 May 2012 06:31:02 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Principal Reduction]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1202</guid>
		<description><![CDATA[The five biggest lenders &#8211; Bank of America, Chase, GMAC, Citi, and Wells Fargo &#8211; have $25 billion to use giving principal reductions. If your property is worth less than what you owe on your first mortgage and if you have had a hardship, you may qualify. We have recently gotten principal reductions for our [...]]]></description>
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		<item>
		<title>How to Surrender Property to Lender in BK</title>
		<link>http://mortgage-modification-attorney.com/how-to-surrender-property-to-lender-in-bk/</link>
		<comments>http://mortgage-modification-attorney.com/how-to-surrender-property-to-lender-in-bk/#comments</comments>
		<pubDate>Tue, 15 May 2012 15:06:36 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[HOA]]></category>
		<category><![CDATA[HOA dues]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1189</guid>
		<description><![CDATA[50 Ways To Surrender Your Property In Bankruptcy  by Eugene S. Melchionne, Connecticut Bankruptcy Lawyer With apologies to Paul Simon:      You Just slip out the back, Jack      Make a new plan, Stan      You don’t need to be coy, Roy      Just get yourself free      Hop on [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<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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		<slash:comments>0</slash:comments>
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		<item>
		<title>Iceland forgives mortgage debt</title>
		<link>http://mortgage-modification-attorney.com/iceland-forgives-mortgage-debt/</link>
		<comments>http://mortgage-modification-attorney.com/iceland-forgives-mortgage-debt/#comments</comments>
		<pubDate>Wed, 09 May 2012 05:09:34 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Principal Reduction]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1182</guid>
		<description><![CDATA[Iceland forgives mortgage debt to save its economy by J. D. Heyes (NaturalNews) It&#8217;s probably not a concept that most U.S. banks and lawmakers want to think about, but the fact is, Iceland&#8217;s economy has grown by leaps and bounds since the government there implemented widespread debt forgiveness for many of its citizens. The initiative [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Principal Reductions &#8211; If House Is Underwater</title>
		<link>http://mortgage-modification-attorney.com/principal-reductions-house-underwater/</link>
		<comments>http://mortgage-modification-attorney.com/principal-reductions-house-underwater/#comments</comments>
		<pubDate>Tue, 08 May 2012 20:11:42 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Principal Reduction]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1180</guid>
		<description><![CDATA[HUD secretary says some homeowners received $100K+ in principal reductions By Justin T. Hilley May 8, 2012 • 12:12pm Some families living in the most deeply underwater states such as Nevada and California are receiving principal reductions exceeding $100,000 from the mortgage servicing settlement, Department of Housing and Urban Development Secretary Shaun Donovan said before [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<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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		<slash:comments>0</slash:comments>
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		<title>Divorce During Bankruptcy</title>
		<link>http://mortgage-modification-attorney.com/divorce-bankruptcy/</link>
		<comments>http://mortgage-modification-attorney.com/divorce-bankruptcy/#comments</comments>
		<pubDate>Tue, 01 May 2012 20:43:50 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1173</guid>
		<description><![CDATA[Divorce during Bankruptcy 8inShare by Andy Miofsky, Illinois Bankruptcy Attorney One of the leading causes of marital conflict involves money, or lack thereof.  If you and your spouse filed a joint bankruptcy and you are now considering divorce, your respective financial positions may be at odds with each other.  One person may want the house, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Foreclosure and Income Tax Consequences</title>
		<link>http://mortgage-modification-attorney.com/foreclosure-income-tax-consequences/</link>
		<comments>http://mortgage-modification-attorney.com/foreclosure-income-tax-consequences/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 21:15:41 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1169</guid>
		<description><![CDATA[Foreclosure and Its Income Tax Consequences (TheNicheReport) — In a recent issue of The Niche Report I wrote an article on how to safely “walk away” from your mortgage. That article discussed consumer protection statutes, enacted by such states as California, known to lawyers and real estate professionals alike as “anti-deficiency” legislation. This legislation protects [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://mortgage-modification-attorney.com/consumer-protection-fix-housing/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://mortgage-modification-attorney.com/washington-supreme-court-hears-mers-case/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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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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		<slash:comments>0</slash:comments>
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		<item>
		<title>Principal write-down talk leaves out taxpayers</title>
		<link>http://mortgage-modification-attorney.com/principal-write-down-talk-leaves-taxpayers/</link>
		<comments>http://mortgage-modification-attorney.com/principal-write-down-talk-leaves-taxpayers/#comments</comments>
		<pubDate>Sun, 01 Apr 2012 22:29:14 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[principal reductions]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1147</guid>
		<description><![CDATA[Principal write-down talk leaves out taxpayers Posted by Jessica Huseman on 3/30/12 at 12:32pm All of this talk about Fannie Mae and Freddie Mac reconsidering principal reductions seems to be leaving out one major thing: Taxpayers. Wasn’t it the stance of Ed DeMarco, acting head of the Federal Housing Finance Agency that doing principal reductions was bad because it left taxpayers [...]]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/principal-write-down-talk-leaves-taxpayers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<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>
		<wfw:commentRss>http://mortgage-modification-attorney.com/making-home-affordable-encourages-principal-reductions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<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>
		<wfw:commentRss>http://mortgage-modification-attorney.com/principal-reductions-may-be-coming/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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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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		<slash:comments>0</slash:comments>
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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>
		<wfw:commentRss>http://mortgage-modification-attorney.com/lauren-willis-condemn-mortgages-write/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Suzy Orman &#8211; Wrong Again</title>
		<link>http://mortgage-modification-attorney.com/suzy-orman-wrong-again/</link>
		<comments>http://mortgage-modification-attorney.com/suzy-orman-wrong-again/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 10:46:36 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Judgment Proof]]></category>
		<category><![CDATA[judgment proof]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1136</guid>
		<description><![CDATA[Suze Orman Recommends Bankrupting Retiree – Without The Benefits by Wendell Sherk, Missouri Bankruptcy Attorney Bankruptcy is a last resort of course.  But it is an option.  Paying back debt when you barely have enough money to survive is usually a horrible alternative. Unless you are Suze Orman.  Ms. Orman styles herself as a financial [...]]]></description>
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		<slash:comments>0</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>Just Turn In Your Car?</title>
		<link>http://mortgage-modification-attorney.com/just-turn-in-your-car/</link>
		<comments>http://mortgage-modification-attorney.com/just-turn-in-your-car/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 13:27:12 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[automobiles]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1123</guid>
		<description><![CDATA[Avoid bankruptcy: Just Turn In Your Car, Right?  by Susanne Robicsek, North Carolina Bankruptcy Attorney Bankruptcy isn’t something that you think you need to do.  After all, you don’t owe that much money, or you think you can manage your debts – except for your car.  So what to do?  You have it all figured [...]]]></description>
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