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He's really trying to avoid any kind of bankruptcy because he can afford the payments... he just didn't PAY them. He owns three businesses and it's something he thought was automatically being deducted, and his mortgage wasn't through PNC initially, but PNC bought the company it was through. He was ignoring the PNC mail as junkmail basically. Not a real good excuse or way to handle things but it's how it happened. If they would do a modification which would allow him to pay MORE to get caught up on the back payments, he'd be fine. It's just paying it all as a lump sum that's basically impossible. And due to the income from the three businesses, I can't imagine any hardships are going to work in his favor. He had a consultation with an attorney and the end result was essentially "yeah, you should probably pay that money", totally useless and waste of money.

Dealing with an issue with a family member -- home is being put into foreclosure by PNC as a result of several missed payments (lots of missed payments) by someone who isn't very good at keeping track of finances. The situation is a bit odd because he has no problem making the payments; he just didn't DO it, and now owes about $20k, which he doesn't have as a lump sum. They're saying the house is in foreclosure status but there's no sale date. We don't expect the hardship paperwork to do any good because of his income. He's got a bankruptcy on his credit file that falls off literally in two months, but that's still there right now, so he hasn't had any luck getting a line of credit. They're saying to check back with regards to the hardship every 2-3 weeks, and that it usually takes 30-60 days to get an answer. But during this time, isn't it possible that the house will be put up for sale? They don't seem to be willing to take any partial payments; we offered to pay half as a good faith payment and make arrangements for the rest but they wouldn't do it. Is this typical?