• mortgage modification mediation
  • mortgage modification

Mortgage Modification Mediation Program

  • May pursued as part of a Chapter 13 bankruptcy case.
  • Expedited communications with mortgage lender through MMM internet portal.
  • Wipe-out second mortgage and association liens if they are wholly “underwater”.


  • expedited communications with lender through special internet portal
  • Bankruptcy Court mediator appointed to assist the parties
  • Mortgage lender required to negotiate in “good faith”

Avoidance of Underwater Second Mortgages

In many cases, a homeowner can wipe-out or avoid an underwater second mortgage or maintenance lien. Under Chapter 13 bankruptcy,  if the first mortgage is greater than the fair market value of the home, the second mortgage or association lien may be avoided.