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You do not want to file a bankruptcy such as a chapter 13?
if i do i could lose my security clearance
In most Federal Jobs which require security clearance a Chapter 13 filing would not adversly affect you as it is a payment plan bankruptcy, a chapter 7 may hurt you
But if you do not want to file a chapter 13, and the bank will not negotiate with you, your options are limited to applying for a home modification, or having an attorney try to settle the matter with the bank
Be aware if you consider a chapter 13, it will force the bank to allow you to roll over the mortgage arrears over a 60 month payment plan, and it would reduce your unsecured debts significantly, and if you have a second loan it could lien strip it and you would not have to pay the secons in some circumstances.
i applyed for a modifacation, said i did not qualify for a gov modifacation, did not qualify for other inhouse modications, and they would not consider child care , credit cards etc., what entiles a 13 , should i check into this with the security office where i work, i believe they will work with me
Yes you have no other good options, also look at the link above it is an official statement in regards XXXXX XXXXX clearances and chapter 13 bankruptcys,
I am sure your security clearance would not be affected by the chapter 13 filing.
thank for you r help , if i have questions i hope you would be availible
You can ask for wallstreet esq., and I will answer your questions,
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one othe r , can you suggest anyone in the north metro detriot area who can do a chapter 13
The bar association is the best place to go for a chapter 13 bankruptcy attorney
I would also look at craigslist under michigan legal services many attorneys advertise low rates their.
Look at the above link for MI attorneys
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