Statewide Mortgage Modification Summit in Orlando : The Hancock Firm, P.A. Beach Bankruptcy Blog

Statewide Mortgage Modification Summit in Orlando

by Katheryn E. Hancock, Attorney on 03/01/14

On Thursday I drove down to Orlando to attend the first Statewide Mortgage Modification Summit. Each of the three districts in Florida has its own modification program. Although there are many similarities, there are also a lot of differences. At the end of the day, everyone is working toward the common goal of helping Florida bankruptcy debtors save their homes and that is the important thing. 

The turnout for the event was impressive. There were 11 Florida bankruptcy judges, six chapter 13 trustees, 145 practitioners, and lender representatives from Wells Fargo, Chase, Nationstar, Ocwen, Bank of America, & Citimortgage. Some of the banking officials came from across the country to attend, which I hope is an indication of a willingness to modify mortgages and make the program work. The discussions were interesting, lively, and at times even got a little heated! 

One thing I hope to see here in the Middle District of Florida (yes, Jacksonville is in the Middle District and not the Northern District) is a web portal like they have in the Southern District. The is a system where debtors' attorneys can upload the modification paperwork for the mortgage companies rather than email it or mail it. One of the biggest complaints in the modification process is banks asking for the same documents over and over, and such a system really seems to help curtail lost documents. I would also like to see clearer guidelines and timelines for the modification process. 

The program is already very successful, and I hope the ideas shared at the summit will make it even more so. If you have any questions about the program, please feel free to email me or give me a call.

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