I've heard that question - Can I lower my house payments by filing bankruptcy? - many times. The answer is "it depends". Let's see what it depends on and how you might go about it.
First, the 2005 bankruptcy code prohibits modifying the terms of a mortgage loan on your residence. So why isn't that the end of the story? Because under certain circumstances you can do something that is very similar. What are the steps involved to find out if that "something" might work for you?
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