us bankruptcy court
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Have you been through a bankruptcy? Have you wondered whether
you could possibly refinance your mortgage loan or obtain any
mortgages after bankruptcy? You will be pleased to learn that
there are mortgage lenders that will help you obtain a mortgage
loan and even save you money by lowering your monthly payments.
Local mortgage lenders are ready to help you find the best
refinancing package available for your special circumstances.
Having to file a bankruptcy does not have to mean you are stuck
with a high interest rate and less than desirable mortgage
terms. Mortgage lenders will consider refinancing mortgages
after bankruptcy because the risks involved in refinancing
mortgages are
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Congress recently passed the most sweeping bankruptcy
legislation in more than twenty five years. The Bankruptcy Abuse
prevention and Consumer Protection Act was written to make it
harder for most personal bankruptcy filers to have their debt
swept away through a Chapter 7 filing. The new law will require
that potential bankruptcy filers pass a "means test" and most
will not qualify for the Chapter 7 filing.
Instead, they will have to file under Chapter 13, which requires
a court-defined repayment schedule of up to five years. This
legislation, considered by its detractors to be a "wet, sloppy
kiss" to the credit card companies, has many people justifiably
concerned
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