Home Made A Toy Boat Home Loan Modification Question Is This Right.?

Home loan modification question is this right.? - home made a toy boat

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Barry I have a friend who is a house worth 190K that has 140k. I had a payment of 1950.00 to 10.5 percent. Barry has all the toys, which from a boat, Corvette, jet skis and go so on. Barry also makes 70k a year on the job, 30k bonus and commissions. Barry is a loan modification that reduces the balance to 135K, 4% APR, your payment is now 845 per month. He said he was shown in an expense report with the title that it is broken, he showed that his salary of 40K per year. Apart from the premium. The savings in money that goes in Bali next month with his G / F. Barry submitted its request for bankruptcy 7 years ago.
This right does not pay attention to the working population.

Trinity I make a change, I lost my job 4 months ago. House is worth less. They are not even.