Mary Conception Anderson

Mary Anderson is a consummate professional who handled my bankruptcy case with kindness and compassion. She answered every question along the way guiding me through a challenging process. Mary's commitment to justice for her clients is unsurpassed.

We needed a fighter, and we got one in Mary Anderson of Guidance to Justice Law Firm. She is knowledgeable, capable and very dedicated to fair lending practices which keep people in their homes. Her integrity and confidence make it a whole new ball game. She doesn’t quit.
We had a high interest home loan which eventually we could not keep up. We were being foreclosed on and had not made mortgage payments over the previous year.
We had gone through mediation, which was a disaster, because we followed well-meaning but bad advice. When mediation failed, we filed Chapter 13 Bankruptcy to prevent foreclosure. The mortgage lender was appeased by the terms of the bankruptcy, but within a year we fell short of the full monthly bankruptcy payments. We faced the same fact that we faced when we struggled with the mortgage payments in years past: we simply were not making enough income to keep up. Our bankruptcy was dismissed and again we were on the brink of foreclosure. Our lawyer referred us to Mary Anderson.
We knew we had a bad track record, but we believed that the lender had made a refinance arrangement impossible for us to meet, and that their intent was to foreclose and write us off, period.
Mary dug in, had us provide detailed financial information, income, expenses, budget, etc. She negotiated with the lender over several months and succeeded in getting a temporary refinance agreement. We reviewed the terms and thought we would fail again. We were actually looking at affordable senior housing apartments when we met with Mary to consider the temporary refinance. We were tired and discouraged, we’d come to the point of finally letting go of our modest old house we’d occupied for over twenty years.
Mary talked us off the ledge. “You can afford this!” she said. She had delivered on what we had set out to do, and she believed we could succeed. “Oh, yeah, they’re expecting you to fail,” she said, and that did it. We resolved to take it on.
We did succeed at making regular payments for the three month trial period. We got a call from a new guy handling our loan, who was setting up the permanent loan modification. The loan package he sent was not the HAMP loan we had been promised. We had made another mistake by not immediately referring the new guy to negotiate directly with Mary. When we called her and said we didn’t like what was going on, she jumped right back into the fray. Because the lender no longer offered HAMP loans, they were offering something similar, but not as good. Mary negotiated, and when it looked rough, she initiated another mediation session. On the brink of our mediation date, the lender presented an acceptable loan modification. Mary had pressed the lender hard enough that they did not want to undergo a second mediation and possible subsequent legal complications.
We get it that you’ve been fighting a long time. You’ve sought help; you’ve tried everything you could think of, and nothing has worked for long. Maybe, like us, you’ve made mistakes. You feel cornered by the fact that you have many months of unpaid mortgage payments. You feel insecure, afraid, anxious, even ashamed.
Consult with Mary Anderson. Phone her office and make an appointment. Pull together your loan information and personal financial records and sit down with her to determine what can be done. From the start you will feel respected and heartened. Good luck!

After 4 years of trying to obtain a modification on my home loan which involved numerous modification packages submitted, 2 mediation meetings with the lender, and another lawyer, Mary was able to help me obtain a HAMP loan. I cannot express my indebtedness for Mary's ability to deal with the insidious methods of the banking institution.
I had given up any hope of a resolution and had been told numerous times by many people (lawyers, financial people, real estate individuals) that my situation was helpless and to short sale my property. Mary was my last hope and she instilled the confidence that it was not a lost cause.
I am so thankful for her professionalism, knowledge and ability to perform so successfully. I highly recommend her to anyone in a similar situation!