I am in a similar situation in NJ, what kind of Attorney handles this?
My first $216,000
Market value is ~$245,000
THe monthly payment of the second went up. I am paying the first in full and paying the second as much as i can. I have been tremendous hardship last 2-3 years because of litigation with my previous business partner. I tried to do loan modification with the second,i was rejected due to my debt/income ratio. My debt are the company debts that business partner used every company card (which are attached to my SSN) and dissappeared , very long story. So my debt is very high due to this , i do not have any debt on my own ,even car payment. But this is the situation, for example all the money he spent at Home Depot for his houses is my debt becaue Home Depot business Store card was belong to our company and that is secured with my personal SSN.There are several of these.
I need a "buffer"year , or "breathing room "
from the second lien holder at least until the end of my litigation but i was rejected due to above reason, i would like to speak with an attorney (what kind ??/ or any suggestion? i am from NJ