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. -
Have you been served a notice of intent to sell your house from your mortgage lender? If so you have most likely missed a few mortgage payments and the lender feels that they have no other recourse but to sell your home. However you can stop foreclosure from happening to you by filing for a loan modification and this will also prevent you from having a foreclosure on your credit report. The loan modification request can be filed at any company in the country that offers loan modification programs. However it is advised that when you feel like you will no longer be able to pay your current mortgage payments at the level they are at, that you contact a loan modification company as quickly as you can. A loan modification will not only be able to stop foreclosure, it can also prevent your home from entering the foreclosure process. If you have decided that you would like to file for a loan modification so that you can stop foreclosure before it starts, you may want to look into different companies that offer this. Most companies will offer you a free consultation so that you can sit down with a representative and explain what is going on and why you feel you need to lower your monthly payments.
At this time the company may even have the loss mitigation expert get some financial information from you so that they can examine your case and be able to offer you some different solutions. You should know that every state will have their own set of laws and regulations pertaining to loan modifications. However when you are filing for a loan modification your states laws and regulations should be factored into your modification by the company that you hire. This will give you the assurance that the modification process that you are going through will be able to properly stop foreclosure. Once you have started to loan modification process to stop foreclosure, your loan modification company will enter into negotiations with your mortgage lender. During the negotiations, the lender will look at your financial status and history of payments.
If negotiations are successful, the amount of your monthly mortgage payments will be lowered and your repayment schedule will be extended to fit the new payment schedule. Since the current economic situation is hard, loan modification companies are popping up everywhere. No one wants to lose their home and by hiring this type of company can help you stop foreclosure on your property. Before you settle on one company to help you go through this process it may be wise of you to contact three or four different companies as this will allow you to compare the different companies. This will allow you to hire the company you feel will most effectively help you. If you have researched many companies and have not found a company that you feel comfortable with you may want to consider CDA Law Center. This company has many years worth of experience in helping many families stop foreclosure with a loan modification that will lower their monthly payments to a level that they can afford to pay. With the economy, more and more people are finding it hard to pay their mortgages and if you are one of those people contact this company today and let them help you be able to keep your home.