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I have a mortgage re-fy with NCM and my wife is not on the note. I took the papers to a BK lawyer and he questioned the mortgage as to being leagel. Any comments welcome.

Also the home is in foreclosure and I have not made a payment in 7 months. Never had bad credit but now I am sunk. We can not make the payments any longer. I am in real estate and the market stinks. Many deals falling through.

We are thinking about bankruptcy and just leaving the property and try to rent again. Any input please.

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