John Hasan Ruiz

I was a little weary of this attorney since some of the reviews weren't great, but my neighbor had great results so I trusted in the offices of John H. Ruiz. Since I went to the first meeting his personnel were all very helpful. I didn't meet with him directly at first, but he did come around and wa...s informed of my situation.... Needless to say I did not lose my home of over 25 years to Bank of America. we won and I could not be happier with the result.

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.