Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Will a lender negotiate if I recently filed skeleton bankruptcy? - I wish my current loan servicing company (Specialized Loan Servicing) would file bankruptcy!! They underhandedly was going to auction my property. They refused to communicate with me, have promised to modify my property since June 2008! Still I haven't received ANY cooperation from them! I refuse to let them win! What are my chances of being able to get a guaranteed modification from a lender so I can get the hell from under these bastards?? SOUND ADVICE PLEASE! -