Erin Esmay Tudhope's Legal Cases (3)

Bankruptcy and debt

Discharging Medical Debt

N/A

OUTCOME: 100% chapter 7 bankruptcy discharge of all medical debts and able to move forward without the consent worry of harassing creditor collections activity.

A man working as a freight driver for 10 years; long-time married and wife staying home as a homemaker, has a sudden heart attack and ends up with triple bypass surgery and after insurance, $150,000.00 ... of outstanding medical debt. After recovery, he is told that he cannot continue work and must apply for Disability. With his fixed Disability, he is only able to cover his regular household monthly expenses.

Bankruptcy and debt

Home Loan Modification

N/A

OUTCOME: The homeowners in foreclosure utilized the Mortgage Mediation Modification Program and received a loan modification with a principal reduction resulting in a dismissal of the foreclosure action.

A married couple with 2 children in public school suffered a decrease of income due to sudden loss of employment of the wife. It took an extended period of time for the couple to make up for the lack ... of income and fell behind on their monthly mortgage payments. The couple desperately wanted to stay in the home that their children have been growing up in and to keep in the same school district and near their friends, and was in fear of facing foreclosure. With legal counsel, the couple carefully put together a loan modification package and submitted it to the bank.

Bankruptcy and debt

Stopping Foreclosure

N/A

OUTCOME: Stopped the foreclosure action and allowed the homeowners to catch up on the mortgage over an extended period of time bringing the homeowners 100% current by the end of the bankruptcy action.

A couple suffering from a loss of income fall behind on their mortgage and are served with foreclosure papers. The couple was able to increase their monthly income resulting in an ability to afford th ... eir monthly mortgage payment, however, the bank will no longer accept payments and the couple is told the must catch up on all $10,000.00 owed in arrears. With legal counsel, a Chapter 13 bankruptcy is filed putting the couple on a 5 year repayment plan and compelling the bank to accept such a repayment plan.

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