Then when my employer announced a major reorganization three weeks after I moved in, I started worrying about how I would cope if I lost my job (which I did, but luckily was able to find another one soon therafter) and couldn't afford to pay the mortgage.For those people who owned their home outright, the Financial Crisis of 2008 became: What financial crisis?

Is it a chapter 7,13,11 (business re-organization) etc.??

All you really need is a one page summary that provides the property address, mailing address, 1st and 2nd lien, fair market value (I use the tax assessed as a benchmark as it is posted in the NOD) and finally a ratio that compares the debt to the value...what the NOD programs like Sharkbait are doing is basically pulling all this info out of the Excel file and re-organizing it for you in a user friendly format....and they charge accordingly.

You can also go with a B2R or other hedge fund type of secondary money source as well but those usually come with large prepayment penalties and points with rates around 5.50 - 6.50%.Or you can get creative with your current mortgages and shuffle, reorganize, refi, the money around to reduce your 10 count of mortgages.Or you can bring in a lending partner to pile another 10 mortgages on their social and so on.Lots of choices....

Does the alteration involve reorganization of walls?

All dischargeable debts are discharged and the person(s) filing receive a ‘fresh start’.Bankruptcy-Chapter 13Often called debt reorganization.

It sounds like they are having issues making their company successful and have someone helping the reorganize. 

I don't think "keep digging" is particularly helpful advice whether hunting for gold, oil or missing owners.What I've found is that you have to combine art and science to prioritize your efforts to be effective.As a new opportunity detective, I suggest you reorganize your efforts and eliminate any property you determine is bank owned.

State and Federal government will reorganize flood insurance and rates will go up.

My fear is that if I'm granted an eviction she will change the bankruptcy from chapter 11, reorganization to chapter 7 where I will get nothing.