Have you ever heard of the Home Affordable Modification Program (HAMP)? HAMP is a program used by the federal government to help combat the housing market struggles experienced by homeowners. As a homeowner, you could qualify for a loan modification under the HAMP guidelines. If your mortgage payment is greater than 1/3 (31 percent) of your gross monthly income, then you could qualify for a loan modification that could permanently reduce your payments and avoid the foreclosure of your home.

In an effort by the bankruptcy trustees, we are encouraging debtors to consider loan modifications under the HAMP guidelines. Please visit www.MakingHomeAffordable.gov for more information or click here to download the HAMP Brochure(pdf).

Please take advantage of the resources provided to learn about the services available. Please note that the Chapter 13 Office does not process HAMP applications.

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