{"id":4170,"date":"2011-02-09T09:00:14","date_gmt":"2011-02-09T09:00:14","guid":{"rendered":"http:\/\/www.duncanlawonline.com\/?p=4170"},"modified":"2026-06-07T00:45:44","modified_gmt":"2026-06-07T04:45:44","slug":"what-steps-do-i-take-to-obtain-a-loan-modification","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/what-steps-do-i-take-to-obtain-a-loan-modification\/","title":{"rendered":"What Steps Do I Take to Obtain a Loan Modification?"},"content":{"rendered":"<p><a href=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2011\/02\/Family-in-Front-of-House.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-4171\" style=\"margin-left: 0px; margin-right: 10px;\" title=\"Family in Front of House\" src=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2011\/02\/Family-in-Front-of-House-200x300.jpg\" alt=\"Family in Front of House\" width=\"200\" height=\"300\" \/><\/a>It is possible to obtain a loan modification even if you have filed bankruptcy.\u00a0 At this time, most mortgage companies would rather work out a loan modification agreement, if viable, than to foreclose on your home.\u00a0 The last thing most mortgage companies want is another vacant house!<\/p>\n<p><strong>Steps to Follow:<\/strong><\/p>\n<p><strong> <\/strong><\/p>\n<p><strong><span style=\"text-decoration: underline;\">Step #1<\/span>: You should contact your mortgage company and express your interest in obtaining a loan modification.<\/strong> If you are in bankruptcy, they may indicate that your bankruptcy attorney must provide a release form before they will agree to speak with you.\u00a0 If that should occur, contact your bankruptcy attorney to obtain the authorization letter.<\/p>\n<p><strong><span style=\"text-decoration: underline;\">Step #2<\/span><\/strong>: After receipt of the authorization letter, <strong>the mortgage company will send a package of materials for you to complete<\/strong> as well as request that you provide income tax returns, paystubs, and other relevant information.\u00a0 You should complete the paperwork in its entirety and provide all the information the mortgage company requested.\u00a0 If you do not thoroughly complete the package or fail to provide additional information they requested, the mortgage company may reject your request for a modification or it may slow down the process.<\/p>\n<p><strong><span style=\"text-decoration: underline;\">Step #3<\/span><\/strong>: Before you submit the package to the mortgage company, <strong>Duncan Law recommends you make a copy of your completed package.<\/strong> This will come in handy if the mortgage company has specific questions or indicates they did not receive a document in your package.<\/p>\n<p><strong><span style=\"text-decoration: underline;\">Step #4<\/span><\/strong>: We also recommend you <strong>send your loan modification package to the mortgage company either overnight mail or certified mail <\/strong>so that you can track your package and be sure it was received by the mortgage company.\u00a0 Often the mortgage company will provide an overnight envelope for mailing the loan modification package.\u00a0 Be sure to keep your receipt so you can track the package.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>Step #5<\/strong><\/span>: N<strong>ow is the hardest part\u2026waiting for a response<\/strong>.\u00a0 Each mortgage company is different when it comes to the timeline for responding on the loan modification.\u00a0 Some mortgage companies indicate they will respond in three to four months, others indicate it can be up to one year.\u00a0 It does not hurt to be the \u201csqueaky wheel\u201d.\u00a0 If you haven\u2019t heard from the mortgage company, you may want to follow-up every two weeks.\u00a0 Do not be surprised if the mortgage company requests additional information.<\/p>\n<p><strong><span style=\"text-decoration: underline;\">Step #6<\/span>: Once you are approved for a loan modification, you may need to contact your bankruptcy attorney.<\/strong><\/p>\n<p style=\"padding-left: 60px;\"><strong> <\/strong> If you are in an <strong>active Chapter 7 bankruptcy<\/strong>, you should contact your bankruptcy attorney to see if it is necessary to obtain the Court\u2019s approval of the modification agreement.<\/p>\n<p style=\"padding-left: 60px;\">If you were in a <strong>Chapter 7 bankruptcy and your case has been completed<\/strong>, a final decree has been issued, it is not necessary to contact your attorney.\u00a0 You do not need approval to can sign the documents with the mortgage company.\u00a0 However, you may find it helpful to retain a real estate attorney to review the modification agreement.<\/p>\n<p style=\"padding-left: 60px;\">If you are in an <strong>active Chapter 13<\/strong>, you should contact your bankruptcy attorney.\u00a0 It will be necessary for the bankruptcy court to approve the loan modification agreement.\u00a0 Your bankruptcy attorney will need the terms of your modification agreement so they may file a Motion to Incur Debt.\u00a0 It takes approximately 30 days to obtain approval of the loan modification from the bankruptcy court.\u00a0\u00a0 You should work closely with your bankruptcy attorney through this process.<\/p>\n<p style=\"padding-left: 60px;\">If your <strong>Chapter 13 bankruptcy has been dismissed or discharged<\/strong>, it is not necessary to obtain the bankruptcy court\u2019s approval.\u00a0 You may work directly with the mortgage company, but again, you may want to seek the advice of a real estate attorney.<\/p>\n<p>Again, it is important to be thorough in completing your loan modification paperwork, and persistent in your follow-up and interactions with the mortgage company.\u00a0 Good luck in your efforts to obtain a loan modification with your mortgage company.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It is possible to obtain a loan modification even if you have filed bankruptcy.\u00a0 At this time, most mortgage companies would rather work out a loan modification agreement, if viable, than to foreclose on your home.\u00a0 The last thing most mortgage companies want is another vacant house! Steps to Follow: Step #1: You should contact &#8230; <a title=\"What Steps Do I Take to Obtain a Loan Modification?\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/what-steps-do-i-take-to-obtain-a-loan-modification\/\" aria-label=\"Read more about What Steps Do I Take to Obtain a Loan Modification?\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4166,4167],"tags":[],"class_list":["post-4170","post","type-post","status-publish","format-standard","hentry","category-chapter-13-bankruptcy","category-foreclosure-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Loan Modification Steps in Bankruptcy | Duncan Law<\/title>\n<meta name=\"description\" content=\"Filing bankruptcy doesn&#039;t stop you from getting a loan modification. Follow these 6 steps to protect your home and navigate the process correctly in NC.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.duncanlawonline.com\/what-steps-do-i-take-to-obtain-a-loan-modification\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Steps Do I Take to Obtain a Loan Modification?\" \/>\n<meta property=\"og:description\" content=\"It is possible to obtain a loan modification even if you have filed bankruptcy.\u00a0 At this time, most mortgage companies would rather work out a loan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.duncanlawonline.com\/what-steps-do-i-take-to-obtain-a-loan-modification\/\" \/>\n<meta property=\"og:site_name\" content=\"Duncan Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/duncanlawonline\" \/>\n<meta property=\"article:published_time\" content=\"2011-02-09T09:00:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-07T04:45:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2026\/06\/blog-ch13-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Damon Duncan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@DuncanLaw\" \/>\n<meta name=\"twitter:site\" content=\"@DuncanLaw\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Damon Duncan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/\"},\"author\":{\"name\":\"Damon Duncan\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#\\\/schema\\\/person\\\/f7b4948225deab021c8ba0edbea00655\"},\"headline\":\"What Steps Do I Take to Obtain a Loan Modification?\",\"datePublished\":\"2011-02-09T09:00:14+00:00\",\"dateModified\":\"2026-06-07T04:45:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/\"},\"wordCount\":650,\"publisher\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/Family-in-Front-of-House-200x300.jpg\",\"articleSection\":[\"Chapter 13 Bankruptcy\",\"Foreclosure &amp; Real Estate\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/\",\"url\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/\",\"name\":\"Loan Modification Steps in Bankruptcy | Duncan Law\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/what-steps-do-i-take-to-obtain-a-loan-modification\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/Family-in-Front-of-House-200x300.jpg\",\"datePublished\":\"2011-02-09T09:00:14+00:00\",\"dateModified\":\"2026-06-07T04:45:44+00:00\",\"description\":\"Filing bankruptcy doesn't stop you from getting a loan modification. 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