Monthly Archives: March 2013

Foreclosure Crisis Relief: The Government Tries Again


We are still reeling from the foreclosure crisis that followed the pop of the real estate bubble in 2008, a crisis that bankruptcy law does not really resolve.

Bankruptcy law should have been changed to allow homeowners to cram down the first mortgage to the value of the house, but, well, if I had a nickel for every time I blogged about that . .

For now, the first mortgage on your principal residence still cannot be modified in Chapter 7 or Chapter 13 or Chapter 11 bankruptcy.

And the HAMP and HARP and other mortgage modification programs have failed miserably.

The story I hear, over and over and over again, is, I sent them the papers, they lost them, they asked for them again, I got a letter Friday that said they had to have the papers by Monday, and so on.  This is typical of how these programs have, not worked, but, turned out, across the country.


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Chapter 11 Bankruptcy: Not Just For Corporations


You hear about big companies, GM, the airlines, et cetera, filing Chapter 11 to re-organize while they keep operating. But small businesses, even individuals, can file Chapter 11. It cost more than other chapters, and there is a boatload of paperwork, but  it gives you greater control. Unless the court appoints a trustee, which isContinue ReadingContinue Reading

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Bankruptcy: How Many Times Can I File?


       Well, if you are Donald Trump, you just keep filing bankruptcy.  Actually, The Donald never files, just his companies.  His casinos have filed multiple times.  But, those were all Chapter 11 bankruptcies, like the latest one linked to above. What about Chapter 7 bankruptcy?  Is it one and done? No, it is not. Continue ReadingContinue Reading

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