Joe Dye Culik

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 fri...ends 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.

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.

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!

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.

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 forg...iven 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.