Judicial modification of mortgages may be permitted under the Bankruptcy Code if the 2009 bill amending Title 11 passes Congress and is signed into law by President Obama.  Bankruptcy law will allow judicial modification of mortgages by lowering the amount of money a homeowner owes on the mortgage balance as well as perhaps lowering the interest rate if the rate is above a reasonable amount.  Additionally, a person can stop a mortgage foreclosure or sheriff's sale of the property upon the mere filing of a bankruptcy petition and use chapter 13 to force a repayment plan upon the mortgage company which the company must accept.  Make an appointment to learn the details.  We serve clients in Montgomery, Bucks, Philadelphia, Chester, Lehigh, and Berks Counties.  You will like how we can use the law to benefit you.  You will regain control of your life and save money.