Client Testimonial
August, 2011
May, 2011 my darling husband Jon was diagnosed with end stage Cancer. We were devastated. In June I prepared to retire so I could stay home with Jon and care for him. With the loss of my income I begin to check out loan modifications. CDA Law Center was on the internet along with others and I contacted them. Todd Jarrett answered my call and seemed to have all the answers I needed. He offered to come to our home as Jon could no longer travel. Todd visited with us and provided all the answers to questions we had. I was still hesitant as we had heard all the stories about bad modifications, the length of time, and the cost but he had impressed us enough that we requested CDA Law Center guide us through this confusing process. On July 1st I retired and Jon died in my arms on July 6. Do you hear my heart crying with that sentence? The loss of my love was bad enough but all Jon's retirement income also ceased. I called Todd and told him to forget the whole thing that I did not care if I was on the streets. Well, after I had my meltdown and family and friends picked me back up again I called Todd back and asked if his firm would still represent me. There are not the right words to describe the gentle guidance, caring attitude, professional handling of our loan modification. Todd Jarret, Stephen Phillips, and the rest of the staff that contacted me could not have been more supportive or knowledgeable of what needed to be done and how to do it. I have a granddaughter I am raising who now will have the stability of her home while she finishes high school. Nothing will ever take the place of my Jon but knowing my granddaughter is secure, that I have a home for my cats and dogs, that my children do not have to visit their mother in the streets, how do you rate something like that. I know that Jon can rest knowing his family has been so well taken care of by the people at CDA Law Firm. God Bless them all for their care of us during this very difficult time. I would recommend this firm to others without any hesitation.Jo Ann M.
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
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Recognized as a Top Trusted Firm! CDA Law Center is recognized as a Top Trusted Law firm for assistance with your home mortgage issues by well know Consumer Advocate, Columnist, and Radio personality Martin Andleman. Tune in to Martin's radio show Saturday from 11am to 11:30am PST. Stream it here. -
If you were a victim or predatory lending, a loan modification agreement might be the answer to your financial problems. These deceptive and predatory lending practices were very common between the years of 2001 and 2008 and many homes have gone into foreclosure as a result. The CDA Law Center finds more 90% of all the loans they perform a forensic analysis on have multiple violations. If you are like the majority of those who took out a mortgage loan during this period, it is highly likely that there were violations in Truth in Lending. No matter how educated you may be, you could have fallen victim to the predatory lending practices that were too common.The attorneys at CDA offer a complete forensic analysis of your loan documents by a recognized expert in the field with more than thirty years of experience helping consumers.
They will use the results of this analysis to challenge the validity of the loan and you may receive your home’s deed free and clear in addition to being re-paid all payments and fees you have made from the time you took out the loan. In addition, if you have fallen behind the terms of your payments, CDA can get you a loan modification agreement based on your financial hardship that will reduce your obligation in a number of ways. The most commonly asked question at CDA Law Center is how foreclosure can be avoided. A loan modification agreement can be your best hope for preventing the lien holder on your home loan from foreclosing and selling your property to cover the loan and the legal fees charged for the foreclosure process. You lose your home and have a negative impact placed on your credit score by several hundred points as well as getting you disqualified for a new mortgage for at least three years. CDA will get you a loan modification agreement that will reduce your payments and interest rate and in some cases they can even get your lender to forgive some of the principal of your loan if the balance is greater than the current value of the house.
Their loss mitigation services will help to save your home by preparing a financial plan to your lender that you can afford. If there is a case for predatory lending, the facts surrounding your case will be presented by the attorneys at CDA in order to force the lender to renegotiate your terms and your home can be saved by a loan modification agreement. Having an experienced attorney to fight for a loan modification agreement for you will force the lender to address the merits of your case. In the event that your case does not merit a loss mitigation process, CDA will recommend alternatives like a short sale or bankruptcy protection. In these cases, a loan modification agreement will not be sought since your loan will not need a renegotiation plan. Find out more about the CDA Law Center and the services they provide at www.CDALawCenter.com.