I was Skeptical about hiring CDA because I work for the California DOJ (AG), please read:
I am very satisfied with my decision to hire the CDA Law Center to help me obtain a favorable loan modification with Chase. I am particularly grateful to Paul Young and Suzie Bryant who assisted me and worked very, very hard on my case. Like many people, my husband and I refinanced our house in 2005 when the market was booming. We agreed to a predatory loan (NegAm/Option ARM) because the interest rate was low and we thought we could easily refinance into a better loan a few years down the road. Then the housing market crashed and so did my marriage, meaning I was suddenly a single parent, the house was underwater, and I had only one income (mine) to support the mortgage payment. I was very stressed out and had many, many sleepless nights. My eighty-year old mother was so worried about me and my children, she tapped into some of her limited retirement savings to help me with the mortgage payments until I could find a more permanent solution. (Thanks Mom, SO GRATEFUL!) That’s when I turned to the CDA Law Center. At first, I was very nervous and skeptical about hiring them because I work for the California DOJ and was aware of the DOJ’s efforts to eliminate consumer fraud perpetrated by disreputable attorneys and other scam credit-counseling businesses. The CDA Law Center put all of my fears to rest. Paul and Suzie were amazing and unbelievably responsive to my questions and concerns. They quickly helped me to modify my mortgage so I could afford it based on my single-person salary. They negotiated with Chase to give me a 2% fixed interest rate, which lowered my principal, interest,taxes, and insurance by $1,146.53/month. With this monthly savings, I will be able to keep my house. Because of Paul, Suzie, and the CDA Law Center, I can sleep at night, and my children can continue to live in the only house they have ever known and attend our neighborhood schools with their friends. (Thanks Paul, Suzie, and the CDA Law Center, SO GRATEFUL!)
What we do for you!
- Notify lender you are represented by Counsel
- Complete a financial analysis of your situation
- Prepare a case to present to your lender
- Help you create an effective hardship letter
- Prepare a REST Report to determine your NPV
- Present your package to your lender
- Negotiate a new lower payment or new terms
- Provide a modification agreement
"CDA Law Center is recommended by National Homeowner Advocate Richard Zombeck of the Home Preservation Network and Huffington Post"
CDA Law Center
Mission Viejo, California
CDA Law Center staff attends O. Max Gardner III’s three day securitization litigiation training and extended education in Las Vegas Nevada: Learning from panelists who were some of the nation’s recognized experts in their field, we had the opportunity to be trained on a variety of relevant Causes of Action, legal strategies, and evidence gathering techniques We had a former bank VP who actually securtized the very first pool of loans when it became legal to do so, at one minute after midnight when the law went into effect in the 1980′s. We heard from securtization auditors, bank executives, and other leading attorneys leading the fight against the banks.
Topics dicsussed included some very unusual topics in the context of referring to our nation’s largest financial institutions. For example, there was the four hour training on how to identify forged documents, forged signatures, material composition, identify copies faked to look like originals, and identify Robo-signers, all of these are used to foreclose on people’s homes and in many cases submitted to the courts in judicial foreclosure states. It’s sad to think our biggest criminals are our biggest banks.
Now we know from Max how to identify the chain of title and determine if an allonge was properly endorsed and whether the chain of title is broken or complete, and a million other uselful ideas, precedents, opinions and raw experience about how to fight these banks who are taking people’s homes. Every lawyer in attendance was very passionate about bringing the fight to the banks.
O. Max Gardner III’s father was Governor of North Carolina, and his son O. Max Gardner III is perhaps the best known consumer bankruptcy attorney in the United States. He hails from the University of North Carolina at Chapel Hill, where he graduated in 1969 with high honors from the UNC School of Law. Legend has it he is the man the banks fear most, and never expect to beat, but rather they know they will take a beating. Max is 102 wins, 2 losses in jury cases to a final verdict. You can visit max’s website at www.maxgardner.com