Melissa Ann Huelsman

A true warrior amongst lawyers, with no tolerance for mortgage company representatives that are accustomed to rolling over people with inexperienced staff, sloppy preparation, and questionable legal practices. Her knowledge of the current state of affairs, the people involved in the industry, persona...l, and corporate personalities, and probable outcomes is encyclopedic. You could not ask for a more formidable adversary to oppose a mortgage holder intent on pursuing their own agenda at your expense. Highly recommended.

In 2008 the Recession brought a drastic downturn in automobile sub-prime lending. I had been successfully employed in this industry for 15 years. Clearly in 2009 it was over and, I had held on for too long. This resulted in falling behind on our mortgage payments. My wife and I unsuccessfully sough...t-out a loan modification with our lender several times during the next 9 month period. Then the government sponsored Home Affordable Mortgage Program (aka: HAMP or Obama Plan) arrived on the scene. It was made available to lenders like ours. Because of our attachment to the house we had called "home" for 13 years we chose the HAMP plan over selling it and taking our equity of approximately $250,000. We thought we had entered the Trial Period of the Plan. It consisted of making three months of reduced payments. These payments were supposed to be an amount close to what our actual HAMP payments would be after we completed the qualification period. This was all documented in the the Plan contracts sent to us by our lender. Three months in to the Trial Period we were felt our position was good and that we were successfully completing the qualifying period. We were now waiting on the modification "contracts". Then, on the SIXTH! month the lender quit withdrawing funds from our account. When we asked why they responded that we had asked to "be removed from the Plan." Not true! After the lender agreed to review recorded phone conversations they admitted the mistake was theirs. They offered to put us back into the HAMP Plan. After a couple more months of no payment withdrawl we found we never were put into a HAMP modification plan. Moreover, we were being foreclosed upon in very short order! It was time to go see Melissa Huelsman! We elected to litigate with Melissa representing us against the lenders' very capable attorneys. She quickly secured us several Temporary Restraining Orders of foreclosure. The TRO's resulted favorably in "stays" spanning a two and one-half year period. We were very happy! Similarly, favorable opinions were given on her arguments regarding the main issues in our case. Those issues were the actions taken by the lender in violation of the Deed Of Trust Act and the Consumer Protection Act. As well, it was found we would be due Damages for Lost Equity. The end result was that we won our case in a Judicial Mediation. We were awarded a favorable settlement with the lender. In our opinion Melisa A Huelsman is an excellent attorney. She clearly has all it takes to mount a formidable campaign whether taking the offensive or the defensive position. She's smart, fair, knowledgeable, experienced, detail oriented, down-to-earth, tough as nails and personable all at the same time. She also seemed to be well liked by the court and comfortably confident in her knowledge and expertise in foreclosure and predatory lending law. She's a WINNER!