Charles Sebastian Spinardi

Charles Spinardi's office handled my bankruptcy very efficiently. His personnel were on top of everything throughout the whole dismal process (dismal because of the nature of the case). I could not have asked for nicer people working on my case and I really appreciated the service I received. He is now handling another matter for me and I am certain I will get the same excellent service.

Charles is a great attorney. After I lost my job Charles helped me to buy enough time to get back to work and eventually modify my loan. I was paying $2867 and my new payment is $1923. He made all my headaches and sleepless nights go away. I tried with some other company but they did not help me and then ended up closing their doors. I was skeptical about hiring somebody else but after a meeting with Charles I knew he was the right choice.

My modification was handled terribly. We were promised the world but once our $4000 was handed over it was a different story. His assistant was unprofessional and lied all of the time. We rarely got to speak with Charles, only her. He parted ways with his partners after we hired him and he and assistant did not answer phone calls for several weeks. We were receiving threatening letters from our bank and our lawyers were ghosts. Finally they called me back after many many concerned calls, (weeks not days) From that moment on it was one fiasco after another. They got me a decent rate but failed to renegotiate my loan. The payments were only a few hundred dollars less than before and $100 less than our take home pay. We told said that we live in NYC with no property tax cap that our escrow would increase our mortgage again and they did not listen. How do we get along with less than a $100 after you pay your loan? Their answer was pay for a year and then refinance. Well that proved poor advice. all they had to do was ask the bank to extend our loan from the previous refinance before we finalized the mod. They could not be bothered with us because they already had our money. We have begged them to help us now because we know all they have to do is make one simple phone call and re open our case as our attorney that we PAID THEM FOR. But they refuse. I have to hire someone else since I cannot live this way and GUESS WHAT??? property tax and escrow went up as I told them it would. SO NO I DO NOT RECOMMEND THEM and it is sad because the people who sent me to them had a wonderful experience. Something happened to change the way he did business because every client I speak to that they took on when we were taken on have the same answers.