As a Bankruptcy Attorney, I am in position to see many people during the most difficult and trying time of their lives.  The frustration that they feel can be difficult to put into words at times, but it is certainly palpable in many instances.  Many of the people I meet with have been fighting very hard to save their home.  However, after so much effort, they often find it has been in vain.  The bank ends up refusing to modify their loan (or the process takes too long), and they find themselves facing foreclosure. Continue Reading »