Chapter 13 Homeowners May Qualify for Court-Supervised Loan Modification
If you’re currently in a Chapter 13 bankruptcy in Nevada, you may be eligible for a powerful tool designed to help you keep your home: the Mortgage Modification Mediation (MMM) Program. At Freedom Law Firm, our attorneys help Las Vegas homeowners use the MMM process to secure fair, efficient loan modifications under court supervision.
This program applies to residential and commercial real estate and gives homeowners a fair, fast, and transparent way to pursue mortgage relief.
What Is the MMM Program?
The Mortgage Modification Mediation (MMM) Program was established by the United States Bankruptcy Court for the District of Nevada to streamline and enforce the mortgage modification process during Chapter 13 bankruptcy.
Benefits of the MMM Program include:
150-Day Timeframe
Loan modifications must be processed within 150 days, eliminating the years-long delays many homeowners previously faced.
Judicial Oversight
Both the homeowner and the mortgage servicer are required to act in good faith, and the court can impose sanctions for any party that fails to comply with the process.
Trustee Payment Oversight
If a loan modification is approved, your Chapter 13 trustee will make mortgage payments on your behalf and ensure accurate accounting of all funds.
Centralized Documentation
The MMM Program uses a secure document portal—Default Mitigation Management, LLC (DMM)—to centralize communication, track document submission, and enforce servicer compliance.
Who Qualifies for Mortgage Modification Mediation?
You may qualify for MMM if:
You are in an active Chapter 13 bankruptcy
Your property is commercial or residential real estate
You seek a mortgage modification or payment restructuring
You have not previously been disqualified from the program by court order
Even if you’re not behind on your mortgage, you may still qualify—this program isn’t limited to homeowners in default.
Why Choose Freedom Law Firm to Guide You Through MMM?
At Freedom Law Firm, our Las Vegas mortgage modification attorneys are experienced in:
Submitting complete and timely MMM applications
Negotiating with servicers using the DMM portal
Protecting your rights during court-supervised mediation
Coordinating with the Chapter 13 trustee for accurate payments
Ensuring full compliance with Nevada bankruptcy court procedures
We’ve helped hundreds of homeowners across Clark County restructure their loans and avoid foreclosure using MMM.
Take the Next Step Toward a Loan Modification
If you’re in Chapter 13 bankruptcy and want to pursue a loan modification, the MMM Program offers structure, fairness, and legal protection that traditional modification attempts lack. With the right legal guidance, you can take full advantage of this opportunity and protect your home.
Freedom Law Firm is here to help you apply, comply, and succeed.
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