Resetting Rates and No Equity

I’m getting calls daily from people in foreclosure. They all seem to have similar situations – very little or no equity in their property and adjustable rate loans that are difficult to pay. For almost all, refinancing, even with hard money lenders, does not seem possible. I have been focusing primarly on forbearance agreement and modification negotiations, Chapter 13 bankruptcy and foreclosure defense litigation. Things have changed a lot since 2005.