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. -
You may have recently received a letter of delinquency in your mortgage and you may be wondering how you can stop a foreclosure before it happens. You may look at the many different processes that you can go through to prevent foreclosure and you may feel overwhelmed. However the easiest way to prevent or stop a foreclosure is to go through a loan modification process. Purchasing a home can be an easy process as there are many different loan programs out there from banks to financial institutions that will loan you money. However, there are many different reasons why it can become hard to repay loans. With the economy being down like it is, more and more people are losing their jobs and this is number one reason why people are not being able to make their mortgage payments. Lenders will only go so long without receiving a payment however you can stop a foreclosure by filing for a loan modification. When you officially file for a loan modification to stop a foreclosure, your representative will contact your lender and they will negotiate about whether or not the lender is willing to modify your loan.
During these negotiations the lender may look into your financial situation and the history of your payments. This information is typically the information that the lender bases their decision on. If your representative succeeds, you will then enter into a modified agreement with your lender that will show your new lower payments and the length of extension on your loan. When you are ready to file for a loan modification you may want to look into many different companies. With the current recession it is becoming more and more common for people to be looking to modify their loans. For this reason alone there are an abundance of now loan modification companies starting up in every state. However when you are in the process of choosing a company to help you, you may want to be wary of fraudulent companies. There would be no worse feeling than not being able to stop a foreclosure because you accidentally hired a company that did nothing but cheat you out of money. You also should look for companies that will offer you a free consultation as this will allow you to meet your potential representative and get a feel for how they will be able to help you stop a foreclosure.
This will also allow you to consult with a loss modification expert so that you can look at many different options that may be available to you. Do not let yourself become a victim of foreclosure because you can not afford to make your mortgage payments. If you have looked at many different companies and have not found the representation that you feel will best suit you, you should contact CDA Law Center. This company has many years worth of experience helping people like you stop a foreclosure by getting lenders to agree to modify current mortgage payments. So, if you do not want to risk losing your home contact this company today and let them get the process started for you.