Based on 18 reviews
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Posted by KBrown, a Foreclosure client, Flag
Mr. Culik was our attorney in a foreclosure matter where the bank had done the foreclosure already while we thought we were working with them on modification. Not only did Mr. Culik turn the foreclosure around and undo it but he also persisted in work for the modification. This home means the world to us raised our kids here and have lived here more than 40 yrs. Losing it nearly broke us. Mr. Culik was caring and listened to us on our first meeting and gave me hope again. Home went from sold to us having a payment we can now afford with cut pay and deduction in hours. We can now plan to retire here. In all the lawyers I've dealt with, he was the best and our whole family sends our thankfulness. We were referred by attorney generanal's office and thank them too. We are going to be okay now.
Posted by a Foreclosure client, Flag
As a war veteran I was hoping to work out a loan modification with the bank on my own but found that the bank was not going to work with me. I then decided to take legal action by getting an attorney. After calling a lot of other law offices and not receiving any help I called Culik law to help me obtain a loan modification with Bank of America. After talking with Joe and his team at Culik Law I was blown away by their care and professionalism. They were outstanding and very professional. They talked to me about the loan modification process and pledged their help to me which made me feel at ease. Joe and his team immediately went to work on my behalf and fought the bank for my loan modification. Joe kept me informed during the entire process and answered any and all questions I had. He returned every single call and email and made me feel at ease during the whole process. I'm pleased to say that Joe and his team at Culik Law were able to get my loan modified! I highly recommend using Culik law for your loan modification or any other legal matters. I want to thank Joe and his team for fighting the Bank for me and not giving up. Its because of Culik law that I have a modified Home loan and payments I can afford. Thank you Culik Law!!
Posted by a Bankruptcy client, Flag
I had taken care of most of my debts over the last few years but one cropped up where I was being sued for a debt I wasn't even sure was mine. The debt collector was coming after me hard with everything, calling work, calling home, calling my wife, calling my cell day and night without stop. I went in and reviewed the information with Attorney Culik who represented me in defending the lawsuit. He was actually able to get the case dismissed, the debt cleared, and my credit fixed. It just feels great to know someone is on your side when stuff like this happens. He was easy to talk to and the team in the office was real friendly too.
Posted by a Foreclosure client, Flag
I am extremely satisfied with the result and service I received from Joe and team. They were straight forward and over delivered on both issues they handled for us - mortgage and debt related issues. The amount of money they saved my family has been absolutely life changing by obtaining a loan modification with huge savings and settling a long time debt for pennies on the dollar. I actually really wanted to give them a bonus for such a job well done in the end I was so satisfied and when does that ever happen.
Posted by Jennifer Z, a Foreclosure client, Flag
We had tried so many options to try and save our home. We had been scammed by an out of state attorney, tried to do it on our own, and even tried to work with the AG's office. All without success. I had literally given up and felt like I was at the end of my rope. I was referred to Josef Culik by friends of ours who loved this law firm. I gave it a shot and it's one of the best things I've ever done. Joe and the entire team were so kind, respectful of our situation, and caring. Within a few months they successfully obtained the loan modification no one else could. Peace entered our lives again. I am so grateful and would highly recommend this wonderful attorney and his team.
Posted by Scott, a Foreclosure client, Flag
My experience with Culik Law has been excellent. My situation presented several unique challenges, and the bank which holds my mortgage initially showed little interest in cooperating since they were not participating in HAMP or any other program and I was months behind on the mortgage. They had pretty much shut me down repeatedly and said that nothing could be done. Attorney Culik and his skilled colleagues worked tirelessly on my behalf to negotiate a successful mortgage loan modification and proved them wrong. Many thanks, once again, to everyone at Culik Law. I am moving on with my life now with this huge hurdle behind me.
Posted by Nicole, a Real Estate client, Flag
Several years ago my husband and I were both laid off from our jobs of many years. This was a huge shock to us after being responsible for years and always paying our bills. When we found out that we could get our mtg modified we looked into options. Unfortunately we tried going with an out of state company in California first who told us we were "pre-approved." After sending them money and documents we waited for a year only to find out we were never approved and they really did nothing for our situation. Then, we looked for someone local and were given a referral for Culik Law from the Attorney Generals office. After speaking with Joe we knew we had found the right attorney and throughout the process loved working with every person at the firm. They make sure there is someone to call you back at all times and you can always get in touch with Shawna Culik or another associate to find out status. No more waiting for days for the one attorney to give you a call which Ive done with other law firms we've hired. They secured a modification for us through Making Home Affordable which we could never have done on our own, we tried believe me. Their thoughtful and optimistic attitude has never ceased to make me feel like everything is going to be okay. I recommend this firm a million times over if you are seeking help in any modification issues. We thank them so so much for making our life okay again.
Posted by Christy, a Real Estate client, Flag
I had tried what must be a record ten times to get a modification only to get a denial each time and to be led in circles by my bank Wells Fargo. I finally decided to find a local attorney to help me and came across Culik Law. I cannot be more infinitely grateful that I did. Just last week I received word that they had secured a 2% modification with close to $90K in principal forgiveness. I initially met with Attorney Culik but worked throughout the process with Shawna and the rest of this caring and amazing team of people. They have someone there who will get back to you right away and did not give the bank a moment's rest until they finalized my modification. I can move on now with my business and life in peace. I send a million blessing their way and thank them from the bottom of my heart.
Posted by a Real Estate client, Flag
I hired Mr Culik 2 years ago to get my loan modified. I was (and still am) in dire need of a modification on my high interest loan. We were living paycheck to paycheck but after reading the reviews I thought he may be able to help. I explained to him that it would be hard to pay his fee but he worked out a payment plan which was helpful. He explained to me that going through with his method was not 100% and I appreciated it. However, probably due to having to go on a payment plan in order to afford him, he didn't respond to emails very frequently. A full year went by with no resolve. Mr Culik is a very knowledgeable lawyer and knows his stuff but if you are not filing for bankruptcy or under foreclosure I wouldn’t recommend him. Maybe I caught him at a bad time but unfortunately he was unable to help me.
Posted by a Landlord & Tenant client, Flag
We decided to call Culik after a lot of trouble getting our landlord to do anything about numerous problems with our apartment and some severe issues that were starting to affect our children's health. Honestly I really had no idea anyone would even care about our situation but thought I would give it a shot anyway. We immediately felt at ease with everyone at Culik Law and Attorney Culik gave us hope we hadn't had for years. He told us about the law in MA and there were more violations than we even thought that our landlord was doing. He filed a lawsuit on our behalf and won. Our entire family has no words good enough to express our thanks. We feel like we truly had someone on our side.
Posted by Karen, a Foreclosure client, Flag
After 3years of being mislead by so called loan modification companies, who pretend to work with attorneys, but really don't . I felt I had let my family down, we were going to lose our home, our "american dream". what I've worked so hard my entire adult life for. Everyone who claimed they would help just kept taking money and asking for the same paper work over and over. More paperwork and money with zero results. In a last ditch effort I was searching on the web, I came across a review like the one I am writting now, it was sincere, heart felt and real. So I said "what the hell"? "why not"? "I' could be losing the house anyway." So I called Culik Law, I spoke with Attorney Culik from the intial telephone interveiw and through out the entire process. Attorney Culik was professional with a sense of compassion and sincerity. He would touch base with me frequently, either by phone or email. Which is quite comforting. You know someone you can trust is on the job, and he has your best interest at hand. My loan was 3years in default and Attorney Josef Culik help me take on the Bank that refused to modify my predetory loan. it was a long unnerving process, Attorney Culik was confidence and hard work paid off. We Won! He Did it Attorney Josef Culik and his associates help me save my home. I now have a new mortgage at a normal market rate, I have been paying my new loan successfully for 10 months. I have said it so many time before , I will say it again THANKS JOSEF! . CULIK lAW THE RIGHT AND ONLY CHOICE!
Posted by Susan, a Foreclosure client, Flag
After I read the review on Mr. Culik, I was very impressed with the reviews on the website. Unfortunately, after almost five or six months of waiting for a timeline on my foreclosure, I was told my money was gone and Culik law would notify my bank that they would not represent me. However, Culik Law never notified the bank, so the bank continued to send Culik foreclosure notices and documents which were NEVER forwarded to me. I was able to move out before the foreclosure date, with no thanks to Culik. Had they done their job, I would have known exactly what was going on. Also, I spoke to Mr. Culik ONCE during the intial interview. That was it.
Posted by Robert, a Foreclosure client, Flag
Extraordinary work by Culik Law, P.C. I had attempted to get a loan modification on my home mortgage, but without success. At first I hesitated to pay a fee, but it was by far the best financial move I ever made. Joe Culik saved me over one thousand dollars per month on my mortgage for the next thirty years! This result literally pays for his fee more than a hundred times over. Joe was invariably supportive and tirelessly persistent with the bank. It took much longer than we anticipated, but Joe was tenacious to the point of relentlessness with our opponent. He knows the law, and he knows the ropes, and he just will not quit short of victory. Joe kept me informed the whole time. Joe kept track of every piece of paper. Joe returned my calls and emails. I had an entirely positive experience and result.
Posted by Richard, a Foreclosure client, Flag
I cannot thank you enough for the stellar work you did on my Loan Modification. I tried it myself with no success. You were the expert I needed! You were friendly with me and relentless with the bank. You never lost patience nor spirit. You took it to every level necessary to win. AND WIN WE DID. The Modification you obtained cut over a thousand dollars from my monthly mortgage payment! I can keep my house!
Posted by Mark, a Foreclosure client, Flag
I would recommend Attorney Josef Culik and Culik Law with no hesitation. Our house was up for foreclosure sale in 3 days. I know it seems like we let it go to the very end. Honestly, we just didn't know what to do. My wife's work reduced her hours and my position was restructured also. We got behind on the mortgage months ago and now when we were finally able to catch up, we were so far behind that it seemed hopeless. We looked online, we saw companies doing this but were wary. When we read Attorney Culik's method online, we called. He spent a good hour on the phone with us walking through the details on whether we were eligible for a modification and laying out some strategies for proceeding forward. He was able to stop the foreclosure sale and now we're luckily on our way to a successful loan modification. I'm just glad I called that day. Joe basically gave us hope that there was something to be done and then acted on it and made it happen.
Posted by a Foreclosure client, Flag
Josef has been a tremendous resource in helping me decide whether I should let my underwater Worcester MA investment property go into foreclosure. He clearly outlined the implications of doing so, resulting in possible deficiency judgement against me for the bank's losses (most likely 100K+) or forgiven debt (issuing IRS Form 1099) which is taxable as ordinary income. I thoroughly recommend him for advice on foreclosure and bankruptcy cases, and I am sure I will rely on his expertise in the future.
Posted by a Debt Agreements client, Flag
We used a company in California to help us with our mortgage. They basically took several thousand dollars and did nothing. We found out later that there is not a lot they can do when they are out of state. We saw Attorney Culik online and after meeting with him felt comforted that he would actually be able to help us. We were at our wits end because our home, which we had put all our life's savings into, was about to be foreclosed on. Both are jobs had cut our hours but at least we were both still working. We wanted our children to grow up here and our hearts were breaking as our kids have started to show that they feel the strain and burden too. Attorney Culik truly came through for us. He is not only a good lawyer but a good person. Our foreclosure was immediately put off and we now have a modification in the works that will work for our budget. Big sigh of relief. Attorney Culik knows his stuff and seems to be very aggressive in going against these big mortgage banks.
Posted by a Foreclosure client, Flag
I couldn't afford my mortgage because I lost my job. I was going to be foreclosed on. Attorney Culik helped me get a lower interest rate and a lower payment and stopped the foreclosure.