Joe Dye Culik

As a war veteran I was hoping to work out a loan modification with the bank on my own but found that the bank was not going to work with me. I then decided to take legal action by getting an attorney. After calling a lot of other law offices and not receiving any help I called Culik law to help me ob...tain a loan modification with Bank of America. After talking with Joe and his team at Culik Law I was blown away by their care and professionalism. They were outstanding and very professional. They talked to me about the loan modification process and pledged their help to me which made me feel at ease. Joe and his team immediately went to work on my behalf and fought the bank for my loan modification. Joe kept me informed during the entire process and answered any and all questions I had. He returned every single call and email and made me feel at ease during the whole process. I'm pleased to say that Joe and his team at Culik Law were able to get my loan modified! I highly recommend using Culik law for your loan modification or any other legal matters. I want to thank Joe and his team for fighting the Bank for me and not giving up. Its because of Culik law that I have a modified Home loan and payments I can afford. Thank you Culik Law!!

I had tried what must be a record ten times to get a modification only to get a denial each time and to be led in circles by my bank Wells Fargo. I finally decided to find a local attorney to help me and came across Culik Law. I cannot be more infinitely grateful that I did. Just last week I received... word that they had secured a 2% modification with close to $90K in principal forgiveness. I initially met with Attorney Culik but worked throughout the process with Shawna and the rest of this caring and amazing team of people. They have someone there who will get back to you right away and did not give the bank a moment's rest until they finalized my modification. I can move on now with my business and life in peace. I send a million blessing their way and thank them from the bottom of my heart.

Several years ago my husband and I were both laid off from our jobs of many years. This was a huge shock to us after being responsible for years and always paying our bills. When we found out that we could get our mtg modified we looked into options. Unfortunately we tried going with an out of state ...company in California first who told us we were "pre-approved." After sending them money and documents we waited for a year only to find out we were never approved and they really did nothing for our situation. Then, we looked for someone local and were given a referral for Culik Law from the Attorney Generals office. After speaking with Joe we knew we had found the right attorney and throughout the process loved working with every person at the firm. They make sure there is someone to call you back at all times and you can always get in touch with Shawna Culik or another associate to find out status. No more waiting for days for the one attorney to give you a call which Ive done with other law firms we've hired. They secured a modification for us through Making Home Affordable which we could never have done on our own, we tried believe me. Their thoughtful and optimistic attitude has never ceased to make me feel like everything is going to be okay. I recommend this firm a million times over if you are seeking help in any modification issues. We thank them so so much for making our life okay again.

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!