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Mortgage Modification Mediation

The United States Bankruptcy Court for the Northern District of Florida has adopted uniform procedures for its Mortgage Modification Mediation (MMM) Program. This program applies to all bankruptcy Chapters and all types of real property, commercial and residential. MMM is uniform in most respects with the MMM programs in the U.S. Bankruptcy Courts for the Middle and Southern Districts of Florida. MMM has been streamlined to reduce costs, save time, and make it easier for the parties to facilitate a loan modification.

The Bankruptcy Court will not force any modification and will make no adjudication except with the consent of both parties. Any signed agreement reached at mediation must be approved by the Bankruptcy Court before it is binding and enforceable.

Effective October 1, 2015, all parties participating in the MMM process in the Northern District of Florida shall comply with the procedures contained within Administrative Order No. 15-001.

Additional Resources:

Various links listed on this and other pages are maintained by other public and private organizations. These links and pointers are provided for the user's convenience. The U. S. Bankruptcy Court does not control or guarantee the accuracy, relevance, timeliness, or completeness of this outside information; nor does it control or guarantee the on-going availability, maintenance, or security of these Internet sites. Further, the inclusion of links or pointers to particular items in hypertext is not intended to endorse any views expressed, or products or services offered on these outside sites, or the organizations sponsoring the sites.