Joe Dye Culik

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 modifi...cation 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.

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.

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 pret...ty 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.

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 i...t 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.

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!