Our beloved House of Representatives, the most 'responsive' of our legislative branch because they are elected every two years - may be doing something that will get homeowner's relief by way of loan modification, without forcing homeowners to file bankruptcy and hope for a Cram-Down. It might just help.
Go here to read more.
If you need help negotiating with your bank on a loan modification - when, and if, this law passes both houses of congress and is signed by the President - call David Otto & Affiliates, PC. Until then, be careful about giving anyone money to do a loan modification.