Jack, Chapter 13 Bankruptcy
I was trying for months to get a loan modification but every time the bank told me I didn't qualify. Then we found Todd Murphy Law and filed a Chapter 13 Bankruptcy right before our home was sold at a sheriff sale. Wow! Were we glad we did. We were able to pay back all our missed payments over 60 months and started to pay our mortgage again right away. A Chapter 13 Bankruptcy saved our home when a loan modification could not.
I desperately tried to get a loan mod, but kept being denied. I had been scammed by people who promised that they could help me. I thought that I had run out of options, but then the sheriff sale notice was nailed to my front door, and I decided to make one more call. With Todd Murphy's help I was able to stop the sale and save my home.