Julio Cesar Marrero

My case for foreclosure was done in July, recorded in the court in the same month, I received a letter in august telling me that my case was in the warehouse by the time i receive the letter, but there are charging me the payment for the month of August. Plus they call me saying that i owe them $1,0...00.00 (2 months) after speak with 2 different person they now say that the correct amount is $500.00 which i dint think that is correct if my case was completed in July

I hired this Law Office and after all I have paid to them and after almost 3 years going from one office to another with them now I'm about to lose my house because they forgot to send my documentation on time, and there is to little they can do about, they want to send me to another office in the sa...me Law Firm to pay for fourth time they're services and try it again, now that I have no more money and most likely I have to move.

After being assured by a company representative that because of my income and interest rate 6.75 that i would have no problem getting a modification. It took 10 months, countless paperwork and $3600.00 to get turned down by my mortgage company because I was current with the mortgage payments. The ...lack of communications with the firm was unbelievable every communication had to be started by myself. I wrote at least 10 letters to different associates in the firm and never received a reply.

On April 14, 2012, My family and I hired Julio C. Marrero to assist us with a loan modification our property that we purchased in 2006. On this date, we spoke to Raimi Jimenez (legal assistant for Marrero Law firm) and signed all document to complete a loan modification on our home so that we can low...er our mortgage payments. He asked for a retainer fee a month for 6 months. During the time of filing the loan modification, we were served with foreclosure documents. We signed documents for Mr. Marrero to represent us in court for the foreclosure and for him to take our case until this day to see if we can save our home. During his ” representation” I received several calls from the mortgage company stating that they could not get a hold of our lawyer. Raimi Jimenez assured us that the lawyer was representing us in court and would rip all letters we would show him, stating that they were not important. Every time the payment was made they asked for more money. On November 28th I was asked to sign a Quick claim Deed, removing myself from the deed and forced to pay them to process it. This was supposed help with speeding up the modification process. The Quick Claim Deed was processed 3 months after, on February 12th. Just a few days prior to having our home foreclosed on. Due to the lack of being misrepresented, and informed of the court decisions we lost our home, the house was foreclosed on February 19. 2015. I am writing in hopes that an investigation be processed on this law firm in hopes that other innocent people do not make the same mistake of trusting this lawyer.

Your case will be handled by sales people and processors who do not stay in the job. If you are lucky, you might see the attorney’s face once only if you threaten to report him because only sales people and processors handle your case. Even after you see the attorney once, he will never review you...r finances personally because that is the job of a “sales” person. His sales people are very persuasive and make you believe that your case is in good hands and that the firm has high percentages of getting your loan modifications approved eventhough the contract you sign says the contrary. With that information, they will quickly tell you they will review your finances and if you are qualified as a good candidate for a loan modification, a 50% down payment is asked upfront from you the first time you are given an appointment. With the 50% down payment a contract is prepared right then and there during your first meeting. In my case, I never saw the attorney the first time or ever, except many months after the fact and after having asked them to return my retainer and monthly payments. You are not given the chance to take the contract home to read it carefully but all is done in the office. If you are smart you read the contract right then and there, eventhough the sales person reminds you he has other clients waiting. You will notice there is a clause in the contract to the effect that there is no guaranty the lender will approve your loan modification. In my case, a negotiation never occurred. Remind you, the processors are just handlers of your documents and they quit almost as fast as your case was assigned to them. Once the sales person gets your 50% down payment check, your file is transferred to Loss Mitigation. To trust these processors to know they know what they are doing is an over statement. Everything I learned about loan modifications, I learned from other attorneys that I went to consult with after I made the mistake to give my money to this law firm. Other attorneys do not charge one cent for consultation and meet with you face to face and not with a salesman. In my case, I only met a “sales person” the first time, and if you ask to see an attorney after giving them your money, your calls are routed to managers and processors, but never to the attorney. I felt I had to guide each processor to what needed to be done after I have learned from other attorneys and the internet. I had to deal with my lender directly to make sure all was in order because I did not trust this attorney’s processors and because this attorney refused to return my money so I got stuck with his processors. This attorney's loss mitigation processors are just handlers to fax this or that and to make phone calls for you to find about the status of the case when I have reminded them to do so. You can do same on your own. When my lender approved my loan modification, they gave me such a high trial mortgage payment because this attorney's processor NEVER negotiated anything for me. The 31% home affordable loan modification rule should be based on all your housing expenses including principal, interest, taxes, home owners association, insurance,. When I asked this attorney's processor if the trial payment included all these expenses required by the home affordable modification 31% rule, she just answered me to pay what the lender told me and pushed my case aside. She never answered me this question. I asked this attorney’s processor/handler to ask the attorney if I am supposed to pay my taxes and HOA separately because if this is the case, my lender never applied the 31% rule for me. No answer came from this attorney or processor. I wished I had never given my money to this attorney’s sales people and processors/handlers. You can start your own loan modification application process directly on your own with the assistance of your lender's loss mitigation department agents.