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cramdown: What Makes Sense - A Simple Solution - 08/13/09 09:03 AM
The solution to the current and prospective ongoing foreclosure crisis and failure of the banks to effectively modify loans lies, quite simply, in an ability of the Bankruptcy Courts to do the following with respect to home mortgages when an individual or couple files for relief under Chapter 13 or Chapter 11 of the Bankruptcy Code for the purpose of saving their home residence: (1) Value the real property that is claimed as the principle residence of the debtor to an amount based upon not only a customary appraised valuation, but valuation based upon affordability – the amount after regular household
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cramdown: STUDIES SHOW BANKS ARE NOT MODIFYING MORTGAGES - 08/05/09 12:21 AM
MSNBC is reporting that Banks are not modifying mortgages and therefore not assisting homeowners who need assistance. Allowing Bankruptcy Court judges to modify loans secured by a debtor's principle residence s the only fair and equitable way to instill stability into the marketplace. Studies are finally beginning to shed light on what you have read from me that "the fox cannot be left to mind the hen house," or "the inmates cannot be left in control of the insane asylum."
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