Bankruptcy is a form of dealing with debts which you cannot pay. The proceedings of bankruptcy will free you from devastating debts and so you can have a fresh start.
Though there are several people who have practiced laws, only a few of them have gained good reputations with their established and high quality legal services.
Home loan modification is a common legal term. It is basically an amendment to an existing loan made by a lender when borrower is not able to repay the long-term loan.