can i qualify for loan modification if i file for bankruptcy?

Hi rsantiago,

As you've already filed bankruptcy, the lender will not modify your mortgage now. You will have to wait till your bankruptcy filing gets discharged and then apply for a loan modification.

Thanks

I think it makes more sense at this time for you to contact your mortgage lender to seek the modification. Unless you've included that debt in your bankruptcy filing, I'm sure they'll consider your circumstances. Of course, as we have found, there's nothing guaranteed in the process of seeking a modification.

But give them all the documentation they need; keep wonderful records of what you've sent and backup copies too for when they lose the originals.