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To qualify for this type of bankruptcy, your income has to be low enough to pass the bankruptcy means test, which is a formula intended to keep those with higher incomes from filing for Chapter 7 when they should be filing for Chapter 13. The better the rate then the better your cashflow will be each month as you will be spending less on your monthly mortgage payment. This guy wrote copy for an ad agency before he got fired.  Feel free to visit my blog post;  http://sacredcross.com/__media__/js/netsoltrademark.php?d=repoxr.com