Yes as a matter of fact I couldn't make my payment this month, it was either make the house payment or stay with no electricity, no car insurance etc.
Like I said before I got a hold of Hope which is novadebt.org and they called my lender three way conversation and once the lender heard I filed bankruptcy, they say they could not tell me my options for me to call my bankruptcy lawyer. All I wanted from them was to lower my payments.
I have not file bankruptcy on this loan, and I can not refinance with any other lender because what I owe on this property it is more than the double that houses in the area are being sold for, I owe $153 K on my house and there are two or three houses on the same block that I know are been sold for less than 80K, so as you see refinancing is not the solution for me.
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