DO NOT WASTE YOUR TIME, ENERGY AND MONEY.
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.