Anyone who will suggest that you can pay a fee in advance to get someone to modify a loan for you is a fraud and criminal. Odds are they are not real lawyers. Shred the letters. Now here is what you can do (and you should never hire anyone who solicits you by mail - good lawyers do NOT do that). You have a very short time to explore two options - 1 - using bankruptcy to halt the foreclosure and 2 - litigating if you have grounds. You need to see a lawyer IMMEDIATELY - not soon - but now. But you should select the lawyer, and AVVO would be a great resource to find a good one.
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Stop wasting time with these frauds. No legitimate attorney can promise you that they can arrange a modification. If there are legitimate problems with the foreclosure, call a good local real estate attorney tomorrow morning. (NEVER call any out of state "law firm" claiming they can help you.) The only other option you have is to consider bankruptcy. If you file Chapter 13 bankruptcy, you can stop the foreclosure and take 3 to 5 years to catch up the overdue amount on your mortgage, as long as you have enough regular income to make the regular payments and meet other basic living expenses. Good luck.
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I agree with the other responses that there a lot of scammers out there looking to take advantage of people who are already in dire straights. I often have clients offer to hire me to handle their modifications, but I always tell them that they would be doing little more than paying me to forward documents for them and nag them to get more documents for me to sent. The only real thing an attorney should be doing for you is to look into a bankruptcy filing to see if the house can be saved that way, or if doing so has other benefits and would buy you some time to complete a modification on your own.
The above information is general in nature. In order to obtain more specific legal advice upon which to base your important decisions, you should consult with an attorney in person and retain one of your choosing. Robert M. Gardner, Jr. Hicks, Massey & Gardner, LLP
I am an out of state attorney practicing in Maryland. While I do foreclosure work, I would not get involved with a property in another state. I agree with Ga. counsel who have responded suggesting that you not consider anyone who is not a member of the Ga. bar. While I believe that many competent attorneys do utilize direct mail, I agree that an attorney promising you that a modification will be obtained should be regarded with suspicion. While an attorney can help you with a modification, I believe relevant FTC rules prohibit anyone other than in state counsel from charging you in advance for a modification. My advise would be to seek out a member of the Ga. bar experienced in these matters, and also perhaps quickly obtain a bankruptcy consult as well.