Niurka J. Fernandez

I hired Ms. Fernandez to help stop foreclosure so I could short sale my home. Her contract is by stage of foreclosure, not by the hour. I paid for all stages of foreclosure. My case carried on for a very long time (2 years). As time went on, Ms. Fernandez would complain to me more and more how man...y times she went to court for me, and how much time she spent on my case for "no money." I had multiple purchase contracts go through the approval process with the bank, and each time the bank agreed to accept $100K for my property. The buyers would refuse to pay the $100K so the property would go back on the market. One day, I received an email from Ms. Fernandez stating that we needed to go to mediation with the bank to ask them to reduce the price they would accept for my property. This mediation would cost me $1,000. Please note that at the time she told me we needed to go to mediation, I had another offer for $100K on the property. I didn’t understand why we needed to go to the bank and ask them to reduce the selling price when we had a current contract for the exact amount the bank wanted. When I pointed this out to her, she told me that if we didn’t go to mediation, she would drop me as a client because I am impossible to work with. When I told her that I felt she just wanted to go to mediation to make the $1,000, and I felt that mediation was not in my best interest given that we had an offer on the table for the $100K the bank wanted, she dropped me as a client. She provided no refund even though I had paid for all stages of the foreclosure process. I, personally, would not recommend her services.

I went to Nicki Fernandez in a very bleak and depressing time in my life where I thought I was going to have to go into bankruptcy. I felt very bad and embarrassed. I could barely say the word "bankruptcy." I called Ms. Fernandez office on a Monday and she saw me the very next day. She immediately... put me at ease and was extremely compassionate and very informative. She took a lot of time going over my options and actually running numbers and explaining what each option looked like, what it would cost me, how it would effect my future. She never made me feel bad and, in fact, made me feel very good because I had really tried with my debt. She helped me get together a plan of action. She also spent as much time as I needed with me; I never felt rushed or felt like she had somewhere else to be. Because I was new to all this, I asked a lot of questions and she was extremely patient with me. Even when I repeated the questions or didn't understand, she was remarkable in breaking down a complicated thing to where I could understand it as a lay person. Then, when she took my case, she was unrelenting. Made creditors stop calling, filed all the necessary paperwork, and represented me in a very confident and protective way. I would recommend her whole-heartedly for her knowledge, her compassion and her advocacy. I felt she ALWAYS had my best interests in mind and didn't let anyone hound me again.