John Hasan Ruiz

I wanted to do a loan modification at the time that the market went belly up. I was advised by this firm not to continue paying my mortgage in order to show hard ship. Instead, I had to pay them on a monthly bases. I was advised that bank of america would be willing to forgive the upside down on the ...pay off and life would be great. Not only was that a bold face lie, but I ended up in the worst situation. The bank implemented a forced placed insurance that cost about $11K a year, also they did not forgive one single penny from the time we stopped paying the mortgage. Some in about a 2 and half year time frame, the bank added about $200K to my original balance that was about $330K. So now I owe over $515K and this peace of work attorney that claims he is the best in the industry, turned his back once I got the loan modification papers. DON'T WASTE YOUR MONEY ON SOMETHING YOU CAN DO DIRECTLY WITH YOUR BANK.