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
-
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. -
Sometimes things happen that can put your home at risk of foreclosure. That’s when CDA Law Center can help negotiate loan modifications on your behalf so that you don’t lose your home. They may be able to get your payments lowered or fix your interest rate or your loan balance in order to take some of the burden off of you financially. Their legal staff will work with you to collect all of the information needed to process and expedite your loan modifications quickly and successfully. The CDA Law Center has a staff of experienced case managers, paralegals, analysts, former underwriters, and attorneys that work together to get your information and then conduct a financial analysis to determine if you quality for loan modifications.
You may choose for them to perform a comprehensive analysis of your active loan documents for mortgage fraud and predatory lending violations in a hands-on investigation. As a result, you will receive a copy of every report and violation found with a background on the laws that were violated. If they find that they are able to successfully negotiate your case with your lender, they will fight to get you the loan modifications you need to provide foreclosure relief. If you are interested in loan modification in order to avoid foreclosure on your home, most likely you haven’t met the agreement of your payment terms and are in default. Foreclosure is the process when your lien holder obtains a court ordered termination of your equitable right of redemption. Once the foreclosure is complete, the lender can take your property and put it up for sale to get the money to pay off the mortgage costs in addition to any legal costs that were incurred during the foreclosure. In addition to losing your home, you will also have a negative credit score when it is lowered by several hundred points. Loan modifications are an option for many people who have fallen into foreclosure and don’t know what to do to get the process stopped. When things go wrong, you may simply be unable to make your payments on time. However, if you can show documentation that you are experiencing financial hardship but are also still making a solid income and have the desire to keep your home, then loan modifications may be the answer to saving your home. The CDA Law Center can represent your legal interests to your lender and renegotiate your existing loan.
If you aren’t sure whether you will qualify for the financial hardship condition for loan modifications, you can show financial hardship for death of a spouse or family member, divorce or separation, you are unable to afford a new adjusted mortgage payment, have experienced business failure or more. CDA can get you more favorable loan terms including lower payments and interest rate. If you owe more than the current value of your home, they may be able to get the lender to forgive some of the principal on your loan. If you are worried about losing your home to foreclosure, visit the law center that can help at www.CDALawCenter.com.