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).