For many of the consumer debtors my firm represents, the primary purpose of filing bankruptcy is to save their home or other real estate from being foreclosed upon by their mortgage servicer. We help those debtors file and comply with chapter 13 plans that propose to resolve their defaulted mortgages in a variety of ways, which might include curing pre-petition arrears or even modifying the terms of the loan. Other debtors may be current on their mortgage payments at the time of their bankruptcy filing, so they simply propose to maintain ongoing payments on their loan during the . . .
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