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!