we were denied for a mortgage loan modification filled with wells fargo bank which. This is the second mortgage os an our home from a equilty credit line which we owe about 200,000 while on the 1st mortgage is with B of A and nearly paid off. We already recieved the default notice in behalf of wells fargo. We spoke to a laywer who claims to be able to get the loan modification granted and if it fails , he stated we could always file chapter 13....BUT we just filed chapter 7 last year in July which was closed in Nov.
Can our home be saved? NOTE the reaso why we were paying Wells Fargo was in hopes to be granted loan Modiification