This has been the worst experience I have encountered with a Law Firm. I went to a consultation with my father so he can file a bankruptcy. Chapter 7. My father is a retired 74 year old man whom is sick and just can't maintain his bills anymore. As a last resort we decided it would be best to go ban...krupt. My father was not keen about it but he saw their add on TV and decided to go with them since they speak Spanish and he can understand his options. In spite of the struggle my father had with the bills, he was able to maintain an "excellent" credit score. In the consultation, they offered promises, that he was a great candidate and told him they will take care of him. Well, it's been almost a year and we haven't heard one thing!!! They told him to stop paying the credit cards, they took our money, we call several times a week, their secretaries pretend they don't know who you are, they pass me from voice mail to voice mail, yada, yada, yada. I haven't spoken to one Legal Advisor handling the case. It's like Fort Knox , you will not get through anyone. I have waited on the phone for an hour just so they can come back to tell me they are closed now and to call back tomorrow. It is totally frustrating, unprofessional and abusive. I am still trying to understand why our case has not gone through and what are the issues!! Why won't they speak to me?? Now my father has bad credit and the companies are calling and threatening him. All because of this firm has done nothing for us.

Julio Marrero is the WORST LAWYER IN USA, first visit to his office, is the only time you maybe meet him in person, because you will never get to meet him again, and after you wait for long hours to speak to someone it will never be a lawyer, only secretaries or assistance of who knows whom. But of ...course as soon as Marrero or more probably other person convince you about how wonderful they will reduce you mortgage or your interest or your principal speech, they will make you sign a very long term contract of payment, in which you declare your responsibility of paying a $500 per month to them, and in which contract, their are not responsible if you lost your home. I have talked to other clients there while we were waiting, and they were in the same situation like me, I have been paying this firm for 4 years now and they still telling me that my house still in foreclosure, that the probabilities I get the house back is 001 percent chances. I don't know why they recommended me to stop paying the bank in order to be able to pay them $500 monthly.

I attempted modifying my mortgage on my own, and was getting nowhere. Eventually, I hired an attorney to assist me and they never kept me informed. No work was ever done. LUCKILY, I went to Marrero and my processor, Ariel Oliva was extremely helpful and go everything done for me to save my home. I re...ceived my final modification, and I am very happy with the results.

I want to congratulate Mr. Marrero and his efficient staff for doing such an amazing job with my loan. My principal balance was $716,942.49 and they obtained a forgiveness of $446.192.49 leaving me with a new principal balance of $270,750.00, this is more than 62% reduction on my principal balance. ... My processor was always informing me of the process and keeping me up to date with every single step on the way, thank you Miss Seiny