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Problems with Mortgage Modification

By Chad Bolinske on 23-Feb-10 10:26.     One of the biggest problems with mortgage modifications and in particular the HAMP program is that most homes are underwater.  The current mortgage modification program does not present a solution to homes lacking equity.  In many cases the modification may reduce the interest rate, reduce the payment, and create a longer loan term.  This does not solve the major problem for most homeowners, which is many homes lack equity.  If the modification does not address the negative equity issue many homeowners will not benefit from the modification.  
    I see clients every day who live in a neighborhood where homes comparable to theirs are selling for at least $50,000 less than what they currently owe.  This makes it difficult for the individuals to want to keep the home knowing they will have to pay on the home for many years before they see any equity in the property.  If the modification was able to address the lack of equity and lower the payment, that would allow many of my clients to keep their homes.  In many cases the bank would also benefit by allowing individuals to keep their home, it would allow the bank to save the costs associated with foreclosure.  The other benefit would be to the neighborhood and city by allowing individuals to stay in their home, instead of creating a lot of vacant housing. 

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Indicators suggest times are still tough for American families.

By Micheal Bolinske on 16-Feb-10 10:08.
The news is still not good for the economy.  Capital One has reported that the number of credit card defaults rose in January.  In Capital One’s report the number of charge-offs, which are debts the company believes it will never collect rose to 10.4 percent.

The likely reason for the high delinquency rate for credit cards is that the unemployment rate remains high.  Historically credit card debt remained high but manageable for families.   With the loss of a job those same households now are struggling for the more basics: food, shelter and clothing.

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Clients role in Bankruptcy

By Chad Bolinske on 09-Feb-10 16:03. It is important when you hire a bankruptcy lawyer to make sure to take an active role in the bankruptcy.  This means that you get the documents and information requested by your attorney.  It also means that you take an active role and make sure that the bankruptcy petition is accurate before it is filed with the court.  You should remember to double check things like the balances in the bank accounts, do I have any payments coming to me that need to be disclosed, did a make any payments to friends or relatives before the bankruptcy filing, did a review the petition.  In order to have a bankruptcy run smoothly it takes the bankruptcy attorney and the client to both work to obtain the best result for the client.

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Minnesota Bankruptcy Conundrum

By Micheal Bolinske on 03-Feb-10 11:29. In Minnesota the population is fiscally conservative by nature. As one of my law school professors aptly put it, “The worst thing you could do in the Minnesota town I grew up in was kill someone, the second worst thing you could do was not pay a debt.”  Although meant as a joke because the professor represented banks in his practice, the statement has important significance.  Many in Minnesota will struggle for years attempting to repay debt while soaring interest and fees continue to add up.  In the process, many have borrowed from family and friends, depleted retirement and savings all in an attempt to satisfy creditors.

In my years of practice, I have yet to have a potential client come into my office and tell me that they planned on being so laden with debt that bankruptcy is the only option.  Many have suffered a job loss, experienced the death of a family member, have suffered a medical problem or have recently divorced.  Add to these issues the fact that creditors have universally raised interest rates to 20 to 30 percent.  The end result a repayment that would take a lifetime.

The biggest single mistake that potential clients make is not consulting with a bankruptcy attorney sooner.  Most clients are perpetual optimists who believe that things will get better.  Finances will get better, but why not start free of debt rather than by repaying inflated bills for 10 to 20 years or more?    Those funds could go to retirement and savings rather than to creditors.

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The stigma of Bankruptcy in Minnesota

By Micheal Bolinske on 01-Feb-10 14:58. One of the biggest concerns individuals have with bankruptcy is the fact that it is a public filing. Most do not want to file bankruptcy in the first place and they certainly do not want their relatives, friends and neighbors to know that they filed.   After all bankruptcy is a dirty word.

When prospective clients come to my office to talk about bankruptcy some of their greatest concerns revolve around who will find out.  Is it published in a newspaper?  Are relatives, friends and neighbors told?  Will my employer find out?  Generally the answer is no to all of those questions.

After I discuss the truth about bankruptcy and try to dispel myths,  I also discuss the hierarchy of needs.    What is more important, continuing to struggle to pay back mounting debt or worrying that others may think less of you if they do find out?  I usually point out the approximate 16,000 Minnesota Bankruptcy filings per year.  The point being, most people know someone who has filed bankruptcy, they just don’t know it because the individual does not talk about it. 

Write a comment

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Reply #1228 on : Wed July 30, 2014, 09:47:31
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Posts: 1233
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Reply #1227 on : Wed July 30, 2014, 07:33:06
My partner and i transferred my SSH factor to Diet plan Coda utilizing the clip-board. My spouse and i used PasteBot coming from Tapbots to grab the important thing from the clipboard on my Mac pc as well as set it inside clip-board in the ipad device.
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