Joe Dye Culik

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 thirt...y 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.

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!

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.

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.