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April 2009 April 30, 2009 - Senate Refuses to Let Judges Fix Mortgages in Bankruptcy The Senate defeated cram-down measure that would have given homeowners in financial trouble greater flexibility to renegotiate the terms of their mortgages. The Senate version must be reconciled with the House bill which contains the bankruptcy provision. The Senate action makes it certain that it will disappear from the final bill. April 29, 2009 - Bank Lobby On Course To Gut Bankruptcy Bill The Huffington Post reports on Sen. Dick Durbin’s (D-Ill.) latest compromise version: only mortgages entered into before Jan. 1, 2009 would be open to judges to reduce; a mortgage would need to be delinquent for 60 days; a borrower would need to notify the bank of economic difficulty 45 days before filing for bankruptcy; and only mortgages under $729,000 would be eligible. April 23, 2009 — Can Bankruptcy Help You Avoid Foreclosure? Attorney Karen Ware explains the basics of bankruptcy April 17, 2009 - Who is MERS and Why Are They Suing Me? This article describes MERS and suggests how to challenge a MERS foreclosure. April 16, 2009 - Foreclosure Activity Increases 9 Percent In First Quarter This article supplies all the stats you need to know about the first quarter in 2009. Preview: Nevada, Arizona, California post top state foreclosure rates in first quarter. California posted the nation’s third highest state foreclosure rate, with one in every 58 housing units receiving a foreclosure filing. And with 230,915 properties receiving foreclosure filings during the quarter, California accounted for nearly 29 percent of the nation’s total.