+ Why should I use your company?
We offer a service based on strong legal foundations. We are NOT a firm who recently decided we could call a lender and attempt to get people a better deal, instantly becoming a loan modification expert like most other firms do. Our staff attorneys have been practicing law for years but it is our forensic CPA audit and investigation that builds the case for us. When we open a case, we begin with an extremely in depth audit and investigation under the legal rules of Discovery.
The bank, by law, must answer to our demand for discovery questioner within 10 days. This is just the first step. Without this process, we would have no leverage, nor legal teeth to get into a meaningful discussion with the lender and certainly nothing to force the bank into an agreement.
In short, most mortgage modifiers are working from a position of weakness: they have no leverage over the lender. If you were a lender, what would you say to this person? To the bank the typical modifier is just a nuisance and they quickly set up policies to deal with them.
On the other hand, lenders fear our process because it can set legal precedence which may spawn a class action suite. Before we arrive for the audit, the lender is normally pleading for a settlement because their legal staff has had the time to look over what we are after and understand how far this could go legally.
+ What makes you different from the typical mortgage modification service?
Please read above. First we are not “loan modifiers”. The service we offer can and usually does bring about settlement talks as a means of averting costly litigation where it is possible a judge could force the lender to rescind any prior agreements and or mortgages. This would mean that the owner would be free to find a suitable loan or mortgage. Lenders do anything they can to prevent this situation.
+ How long does it take to start working?
Each personal situation is different. Please let us know if you are under stress of a real hardship. Under specific circumstances, we can ask for temporary payment waivers. If agreed, this may relieve some of the stress of a hardship. There is no way we can offer a definitive answer regarding “relief”.
Please fill out the contact form and we will get in touch with you with the FREE, no-obligation consultation in which we will evaluate your situation and explain your particular options and possible scenarios.
+ Can you help me even if I received a letter from my lender’s attorney?
Yes, we can. Of course, we would need to see a copy of the letter and talk to you in order to get a better idea of your case. Nevertheless, we can tell you that if it is a letter prior to any court proceedings we can step in immediately.
However, the clock is ticking. Most lawyers will generally give you a specific amount of time to respond. You must call us and get started right away because if you or your retained lawyer does not answer, you will have much larger problems. (Please read “defending foreclosure” below)
+ Can you help us even if we are not behind on our mortgage payments or in trouble with our lender?
YES! It is your right to make sure the lending and real estate laws were not broken. These laws were enacted to protect you. In most cases, if these laws were broken or even improperly handled then chances are that you have been harmed. Just complete the free, no-obligation consultation form and we will get in touch with you to go over your case together.
+ Can you help me even if I dont know whether my case has been filed in court?
Yes. We just need some brief information from you in order to find out the status of your case. The most important part is to take action today. Problems only get bigger if you don’t take any action.
Besides, we do this in a daily basis and we help people just like you to solve their mortgage concerns. Take advantage of our FREE, no-obligation consultation today. The closer your case gets to court action means the more money you will spend to defend it.
+ Are there any reasons I may not qualify for your service?
Yes. If you have waited too long and there would not be enough time for us to step in and ask for a delayed hearing or if the Foreclosure has already been granted by the court. Both of these situations are almost hopeless. In either of these situations there is not much anyone could do. It’s just time to vacate.
+ Can you help if the house is in a different state or I live in a different state?
Yes! There are no geographical restrictions. The only limitations is that you must reside in the USA and the property must be in the USA.
+ Do your affiliated lawyers also defend foreclosure processes?
Yes! As a matter of fact, you need to get attorney representation as fast as possible if the procedure has gone too far without some type of intervention and is now heading for court. Keep in mind that defending a foreclosure is a much larger job. Therefore, the fees and expenses may also be much larger. Again, the key is NOT to allow it to get that far.
While our attorneys can defend a foreclosure, remember two important items;
1. As in any case, a defense does not mean you will win, only the court will decide the outcome.
2. Our Offense procedure retainer does NOT cover any fees in the event it is necessary to put up a legal defense.
While we consider this the very extreme, we want to tell you the truth up front. Usually, if the client has told us the truth and the property is not on the court calendar for a final hearing, we can mount an offensive attack. Remember, when we have the evidence, the lender does not want to go anywhere near a court room.