1. What percentage of your bankruptcy clients who own (or owned) their homes have come to you at least partially because of mortgage-related problems?
  Response Percent Response Total
    Less than 10 percent
 3.6% 23
    25 percent or less
 12.3% 79
    25-50 percent
 32.2% 206
    50-75 percent
 30.2% 193
    75 percent or more
 20.6% 132
    Don't know/not sure
 1.1% 7
Total Respondents   640
(skipped this question)   0
2. Of those clients with mortgage-related problems, what percentage would you estimate are subprime mortgages?
  Response Percent Response Total
    Less than 20% are subprime mortgages
 8.9% 56
    25-50 percent are subprime mortgages
 27.2% 172
    50-75 percent are subprime mortgages
 35.6% 225
    More than 75 percent are subprime mortgages
 21.7% 137
    Don't know/not sure
 6.6% 42
Total Respondents   632
(skipped this question)   8
3. Based on your experience, is it more difficult for people facing foreclosure to file to save their homes than before bankruptcy law changes were enacted in 2005?
  Response Percent Response Total
    Much more difficult
 27.5% 173
    Somewhat more difficult
 52.5% 330
    No change
 15.1% 95
    Somewhat less difficult
 1.4% 9
    Much less difficult
 0.2% 1
    Don't know/not sure
 3.2% 20
Total Respondents   628
(skipped this question)   12
4. How big a problem have "exotic mortgages" - such as nothing-down terms and short-term, "teaser" ARM rates - been for your clients?
  Response Percent Response Total
    A big problem
 47.3% 294
    Somewhat of a big problem
 32.3% 201
    Not much of a problem
 9.2% 57
    Very little or no problem
 3.4% 21
    Don't know/not sure
 7.9% 49
Total Respondents   622
(skipped this question)   18
5. Of those clients with mortgage-related problems, have subprime mortgages been a bigger or smaller problem today compared to 5 years ago?
  Response Percent Response Total
    Much bigger problem
 53.2% 330
    Somewhat bigger problem
 29.7% 184
    No change
 6.3% 39
    Somewhat smaller problem
 0.3% 2
    Much smaller problem
 0.2% 1
    Don't know/not sure
 10.3% 64
Total Respondents   620
(skipped this question)   20
6. Based on your experience with clients in the last 12 months, who is most likely to experience problems paying their mortgage due to bankruptcy? (Check all that apply.)
  Response Percent Response Total
  Older consumers
 47.1% 286
  Middle-aged consumers
 39.7% 241
  Minority consumers
 45.5% 276
  Younger consumers
 42.7% 259
  None of the above
 3% 18
  Don't know/not sure
 15.7% 95
Total Respondents   607
(skipped this question)   33
7. Has your experience been that a client with a subprime mortgage is more or less likely to lose their home than a client who has a regular mortgage?
  Response Percent Response Total
    Much more likely
 58.9% 357
    Somewhat more likely
 30.5% 185
    No difference
 2.8% 17
    Somewhat less liekly
 0.3% 2
    Much less liekly
 0.2% 1
    Don't know/not sure
 7.3% 44
Total Respondents   606
(skipped this question)   34
8. What percentage of your clients could have avoided foreclosure problems if they had sought bankruptcy relief earlier?
  Response Percent Response Total
    None
 2.1% 13
    Less than 25 percent
 25.7% 156
    25-50 percent
 38.1% 231
    50-75 percent
 20.3% 123
    Over 75 percent
 13.7% 83
Total Respondents   606
(skipped this question)   34
9. What percentage of your clients who are facing foreclosure problems are consumers who refinanced credit card debt that they could have instead discharged in bankruptcy?
  Response Percent Response Total
    None
 2.6% 16
    Less than 25%
 28.6% 173
    25-50 percent
 36.9% 223
    50-75 percent
 22.3% 135
    More than 75%
 9.6% 58
Total Respondents   605
(skipped this question)   37
10. #1 Tip
 Total Respondents  
 405
(skipped this question)   235
11. Tip #2:
 Total Respondents  
 371
(skipped this question)   269
12. Tip #3:
 Total Respondents  
 303
(skipped this question)   337