You have been a wealth of information SoulMaster. I will definitely look into a good bk lawyer. The one I had to help me file the bk7 wasn't really informative. I suppose I could have asked more questions but i needed to know what to ask first. And now that I am 2 years into this, I now know what I need to ask.
thank you for all of your help.
You don't necessarily want a BK lawyer, you want a Loan Modification / Real Estate attorney. (Note: Some, but not all BK attorneys are really good at mods, but ideally you want a full-service debt-relief law firm that does BK/SS/LMODS/DS).
I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney. Starting Score: ~470 preBK(8/2010) Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749. Goal Score: 700+ - reached.