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None. In XXXX, I owed {$38000.00} on my house when I left chapter XXXX bankruptcy. Under advice of my attorney, I did not reaffirm the loan due to house not being worth the loan value. Over the next couple of years, I tried to negotiate with XXXX XXXX XXXX to keep my house. I filled out several loan modification applications and submitted them to the bank. In XXXX, I hired an attorney to assist with the loan modification process because of their constantly making me redo the application. That same year XXXX XXXX XXXX foreclosed on my property and during the foreclosure they transferred the loan to Green Tree Servicing. My attorney submitted the application to Green Tree several times and in XXXX, they denied my application. My attorney advised me that Judge XXXX had setup a portal to mon