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"
HIRE CDA for LOAN MODIFICATION- THEY WILL MAKE IT HAPPEN!
5/8/2013: Dave Vaughn contacted me at the right time. I had just received my separation notice from my employer stating that my position has been eliminated. After many years of employment, and fewer job options, I felt very scared. The next thing I knew, Dave and I had a lengthy discussion about loan modification, and CDA law center will assist us in the process. I was a little skeptical to retain CDA law center because of our prior experience as victim of scammers, and we had to pay the price. I expressed to Dave that due to limited financial resources we have to spend our money wisely and he understood clearly. My husband and I are immensely grateful and humbled to have the opportunity to work with Dave Vaughn and Suzie Bryant. Suzie did an awesome job, she literally held our hands and made sure that the process ran smooth and stayed with us until the GOOD NEWS came down. We got approved with $1718.56 savings and the best yet with almost $100,000 being forgiven. CITI Mortgage support Specialist even stated that this is the best modification he had seen so far this year. This is a life changing experience for our family, now, we can now have a good night sleep, which we haven't had for months. THANK YOU DAVE AND SUZIE FOR ALL THE EFFORTS YOU PUT FORTH.
CDA - Thank You Dawn Bestafka & Suzie Bryant!!
5/6/2013: If you have any doubts about using a Law firm to help you get your home loan modified! Be sure that CDA will do a great job for you! I was skeptical being a self employed business man! After talking with Dawn Bestafka for the initial start up and working with Suzie Bryant through the final of this process! I have to say, it was a very professional outfit!. They saved myself and family $137,040.00 Principal off my $437,000.00 Loan. I had been trying for 1.5 years to work with the bank. But they always told me I made too much money? Dawn and Suzie along with the professional team at CDA were awesome! I highly recommend using them! Especially if you are self employed! Mike & Deann P. of Ione, CA
Mike & Deann P
Satisfaction Guaranteed - Thank You Paul Young & Suzie Bryant
5/3/2013: I want to extend my sincere thanks and true gratitude to Paul Young and Suzie Bryant for all of their work on my Home Loan Modification!! They listen and they truly have hearts. I was one of those people who didn't qualify for any of the government refinance programs out there - HARP (I didn't have a Fannie OR Freddie Loan), but continued to struggle with a payment on an upside loan. I waiting one day at one of those Modification Seminars, I again was turned down and told I would have to live with my loan as it was, there was no program for me. I even followed the advise of my mortgage company and attempted to get the denial letter from the recommended sources online, to no avail, they said I made too much money (really). No one would even take my information. The mortgage company wanted a denial letter before they would consider modifying my loan. I finally called CDA Law Center on the advice of my accountant friend, and talked to Paul Young. He was incredibly patient and honest, and he was always there to answer all of my questions. He was very professional, informative and also very nice. He walked me off the ledge a few times. CDA would do the very best they could to secure a reasonable modification. Suzie Bryant, my negotiator kept in contact with me via e-mail, calmed my nerves when I panicked and only today gave me the great news that my modification was done. And she was able to negotiate an over $1,000 savings per month on my payment. WOW!! My regular monthly payment was more than $1,600.00 and now it's $549.00. My interest rate was 6% and now it's 2% fixed for the life of the loan. If that's not great to you, then listen to how much they reduced my principal balance. By $106k! That's terrific. Me and my husband struggled so bad. At that time, we were ready to give up. The mortgage company would not help. We felt like it was hopeless, so we called Paul, I am so happy I made that phone call to him. You can read where it got us. We now have room to breathe! This was a very smooth process and I empathize with anyone who attempts to do this on their own. The dollars that I spent with CDA was well worth it and I highly recommend CDA Law Center to anyone. Thank you, thank you, CDA. Trish G. of Fresno, CA
In God’s time - CDA Law center saved my house. Thank you Ray Arocho, Crystal Oropeza & Deena Difilippo!!
4/23/2013: Back in 09 I was in a bad loan that I really could not afford. I have two children that live with me half the time, they love are house and so do I. Needless to say I went through three different people/ firms and it was a nightmare, dealing with the bank not, having a clue what I was doing. After the 2nd company I hired, I was talking with a friend of mine and she said her husband could help me. (I was close to throwing in the towel at this time) His name is John and we became good friends. John has been successful helping people with loan mods, but he could not get me qualified for a loan. But what John did he kept me in my house till the bank finally was ready to foreclose. That's when I met Ray Arocho, John and him were roommates in college. I really was going by faith now, it is Gods will for me to stay in the house or not. I was in full acceptance of whatever was going to happen. Ray At CDALawcenter along with Crystal O and Deena D got right to work. Things Got done so fast. The foreclosure was suspended, and within three months I was in a loan that was to good to be true. I can afford the payments and I can finally sleep through the night. My kids are so happy and they see there Dad's stress level back to normal. I really believe God's plan is always perfect. And he put these awesome people in my life one at a time. The girls at CDA law were so sweet and kind, and were so helpful, everytime I called or sent an e-mail they responded so quick, it was just such a blessing, they made it so easy for me. And Ray was available at any time. I would recommend Ray, Crystal, Deena, and all the crew at CDALaw to anyone anytime. Thank you so much for all the kindness and patience you showed with me. God Bless you all, Scott S and family, Lakewood, CA
OUR LOAN MODIFICATION WAS APPROVED THANKS TO CDA LAW CENTER - WALT PROCTOR AND JACKLYNE DAVIS ARE THE BEST!!!
4/21/2013: I’m so excited to finally be one of many who can brag and post a happy ending on a loan modification story. Yes folks, OUR LOAN MODIFICATION WAS APPROVED!!! We all share the same horror story when it comes to trying to get a loan modification on our own and dealing directly with the bank. If you want stress in your life working with the bank, making phone calls after phone calls, leaving messages after messages, mailing and faxing of forms and applications over and over again not knowing if they actually go anywhere and playing phone tags with the so-called bank customer service, then go for it. The only question is why would you??? Why not trust the CDA Law Center? You can add our successful case to all the folks out there who’ve been helped by the CDA Law Center. They became our advocate and they championed our case. Our life full of stress actually started over a year ago. I had an awesome job in the military with a decent salary to pay our bills and our mortgage. Unfortunately, I couldn't’t continue my military career and was forced to retire. I looked at our finances and spend plan and saw a significant financial hardship looming ahead with a dramatic reduction in our income and no guarantee in finding a job. So I planned ahead and called my bank to let them know and asked for assistance in refinancing or modifying our mortgage. Like so many folks out there, we had an interest-only mortgage at 6% which was about to expire soon. There was no way I could afford our monthly mortgage with my retirement pay. I reached out to the bank and did everything they told me to do. Long story short, dealing directly with the bank was one of the most stressful experiences of my life. The bank couldn't’t help me before I retired from the military. When I finally retired I tried my best to work with the bank but I achieved nothing. All I got was stress in trying to figure out how to keep our home. Will my family become another victim of foreclosure?? I did my own research in trying to figure out this process of modifying a mortgage. I was overwhelmed to say the least. Did I mention all the stress? There is so much information and misinformation out there. Not only that, I was skeptical about all the scams. I’ve heard of folks getting ripped off by false promises and finally just short selling or even foreclosing their homes. A short sale was my last option but we wanted to stay and keep our house. There are so many companies out there to help you with your mortgage problems but who do you go to?? Then came one Saturday morning when I was driving and listening to KNBR on the radio. It was their finance morning show. I heard a guy on the radio and his name was Walt Proctor. Walt was talking about loan modifications. I took down the number but I was still skeptical. Should I call, is this another scam full of empty promises?? It took me a week before I called Walt. It was another week of calling and playing phone tags with the bank and refaxing and sending forms after forms with no results and signs of progress. I was sick of it! On Aug 13, 2012, I called Walt Proctor and the process began. The thing that impressed me about CDA Law Firm was everyone I spoke to at CDA were very honest about what they can do for us. They didn’t promise that our loan mod will be approved…if anyone makes that promise or a guarantee, I suggest you run away! CDA made no such promises or made any guarantees. The bottom line is the bank is the only one can approve a loan mod request. But CDA has the experience and dedicated staff who knows the ins and outs of the loan mod process. And they have been very successful in assisting folks with achieving that happy ending. CDA Law Firm first reviewed our case to see if we’re even a candidate for a loan mod. Once we passed that test, it was game on but more like a full court press with the CDA Law Firm on my team. Then came the happy ending. On March 13, 2013, our LOAN MOD WAS APPROVED! If JACKLYNE DAVIS was running for President, I would vote for her. She handled our case and she is AWESOME! She’s so thorough about everything that needs to happen with our case. She handled everything and dealt directly with the bank on our behalf. Yes folks, Jacklyne was our champion and she got the deal for us. Throughout the entire process, I worked directly with CDA LAW FIRM and NOT the bank. Jacklyne and CDA Law Firm did all the work for us. So our own happy ending to share with everyone is we now have a FULLY AMORTIZED PITI MORTGAGE: FIXED RATE, PRINCIPAL, INTEREST TAXES AND INSURANCE. Our monthly savings was $607 a month. The best part is we get to keep our home!! If you’re still on the fence about all of this, just make the call to Walt Proctor (877-499-4435 x129) at CDA Law Firm and take that first step like I did. Thanks again to all the folks at CDA Law Firm for our Happy Ending. Thanks especially to WALT PROCTOR and JACKLYNE DAVIS! GOD BLESS YOU ALL for helping the out the little guys who are the mercy of these powerful banks and their investors. YOU’RE THE BEST!!
BANK OF AMERICA WAS A NIGHTMARE, BUT SOMEHOW, CDA PULLED THRU
4/19/2013 If you lost equity in your home, please read. I am a single mother & I have my own Bookeeping & Accounting Business. I’ve been Self-Employed for over 5 years. My recent divorce erased most of my savings & half of my income. On top of that, the economy slowed my business and decided I may have to walk away from my home that I love. I tried to work with Bank of America for almost 14 months in trying to lower the mortgage interest rate. They ran me around in circles, I was assigned to 4 customer reps, didn’t get anywhere, it was a nightmare that became reality to me. The day I was declined from Bank of America, I searched online for help as a last resort. Two days later, an angel name Paul Young called me & left a message. I was very skeptical, and didn’t trust anyone.. especially men (because of my ex). I contacted Paul, and he was very nice and professional. Next day he called me and said I was eligible for a 2% government loan. Again, I didn’t believe it since it took me a year to work with Bank of America, and I was thinking how can they do something that I could not, since I know numbers. I researched the company, read all the positive testimonies and even spoke with 3 references that he gave me to call. At that point, I agreed to let them help me. It was my last shot and trust me, I was very nervous and couldn’t sleep much. But I prayed to God, all I can do is to trust in God for whatever happens. He controls everything. So I started with Lorraine as my processor who was my 2nd angel. After Lorraine, I was introduced to Jacklyn Davis who became my Negotiator for CDA with Bank of America –she was my 3rd angel who delivered and changed my life. Although they never promised me everything, they were very positive and confident that they will deliver for me. Again, I had no choice but to trust them. I was in a very bad loan with the Bank America 6.60% interest only. About 2 months later, the phone call came from Jacklyn – a day I will never forget. She told me i was approved at 2% fixed rate with a monthly payment of $1500 saving me $424 per month. But the best part is it included my principal, taxes and insurance! The best part of this that they saved my home and I will live here for the rest of my life. I cannot thank my 3 Angels at CDA Law Center - Paul Young, Lorraine and Jacklyn Davis or their assistance, knowing how hard they worked to accomplish for me. Again, I cannot thank them enough… my 3 angels – thank you for saving my home!! Laurie Z____ of Tarzana, CA
Very honest and never gave up on me. NACA, HUD or HOPE did NOT Work. Thank you Ray Ghamsari & CDA Law Center!
I am a single mother and I put all of my money, hopes, and dreams in to my home. I have been working 7 days a week sometime 14 to 15 hours a day to try to keep my home for my family. Prior to coming to CDA Law Center I tried getting a loan modification for over 2 years without any luck. I went to HOPE and HUD without any success. I have a loan with Nation Star, I started my loan modification in 2009 with NACA. I thought that they really could help me. NACA made a lots of promises to me and they told me that they do not charge me any money. They sent my paper work to my lender and was put on a trail payments. I made all of trail payments then my loan was sold to Nation Star. I was told to reapply again and start the whole process again, I went back to NACA again. Each time that I went to NACA I traveled over 100 miles and ended up spending 2 days in long lines with thousands of other people just to talk to someone. The people at NACA were not very professional and they have no underwriting or negotiation skills, they are paper pushers. They kept telling me to keep sending my paper work they will help me. I never was able to get any help from NACA. The whole time that I was with NACA they never really did help me and I could never get any straight answers from them. I then went and found a company and paid them $1600 , and they kept taking more money out of my account. They never helped me and I never could get any answers from them, I do not think they ever worked on my file or submitted any paper work to my lender. I tried to get a hold of them but they just disappeared with money and never helped me. I was fortunate enough to be able to get my money back through the help of my own bank. At this time I did not trust anyone but I had received foreclosures notices from my servicers and did not want to lose my home. I called CDA Law Center and spoke to Ray Ghamsari, he from the beginning was very truthful with me, took all of my information and did not promise anything like all of the other did up front. He analyzed my situation and called me back and told me that they can help me, and suggested for me to come and meet with him and their Attorney Mr. Scurrah. He asked me to bring all of my paper work so they can make sure I qualify for a loan modification. I was still very skeptical, its has been over 2 years and thousands of dollars without any results. I had no choice and after meeting with the staff at CDA Law Center, I felt very comfortable and decided to go ahead with them. I was hoping and praying that they could help me keep my home. They did run the REST Report on my file and I passed, then they said they can take my case. It took a while , my lender is very hard to work with, but I did get a great modification. I was over 2 years behind and owed the Servicer over $50,000.00 in back payments, they gave me a fresh start and I did not have to come up with $50,000.00 back pay. They saved me over $500.00 per month and stopped the sale date and put me a fixed loan @ 2%. Throughout the whole Process Ray Ghamsari and CDA Law center kept me in the loop, gave me updates , and under promised and over delivered in service. If you want a company that has integrity, ethics, and persistent, you need to call Ray Ghamsari @ CDA LAW center. I have and will continue to refer them any one who need help. Do not waste your time with NACA, HUD, or any other companies. Trust CDA. I am so grateful for Ray he and the CDA Law Center they gave me back my life and peace of mind.
CDA Law performed as promised!
4/8/2013: I was underwater on my mortgage with a 7.25% interest rate. Being a small business owner, I really did not think there was any hope that I would qualify for any kind of assistance. My business was struggling and, just when I needed it most, I could not get any help from my bank. I was considering a short sale or possibly going into foreclosure. I started researching my alternatives. I talked to several realtors who said I should go with a short sale but I did not really want to leave my home. Then I found CDA Law and Gary McPeak. Gary said they could help me get a loan modification that could possibly lower my payments to what it would cost me to rent. He was sure we could stay in our home. Boy was I skeptical. There was no way this could be true. I thought for sure it was a scam. But Gary convinced me that was not the case. My husband and I traveled to their offices to make sure it was not a fly-by-night operation. We had read about so many. We met Gary and his boss. They shared with us how they work. We decided it was worth a try. Our monthly payments went from $4,021 PITI to $2,006 PITI ! Our interest rate went from 7.25% to 2% fixed ! WOW!! We could not have done this on our own. They guided us through the process and handled all the difficult communications with our lender. Gary was sensational. He always returned my calls, treated me with respect and alleviated all my fears no matter how irrational they may have been. Kathy Terbeek helped us accumulate the documentation. She steered me in the right direction. She was a great help as well. Kudos to CDA LAW.
FOR ANYONE WHO’S TRIED TO MODIFY ON YOUR OWN WITH YOUR LENDER: CDA Law Center is the Real Deal !
4/4/2013: I am so grateful to CDA Law Center for the help they were able to give me. My Husband passed away three years ago ~ At that time I tried to modify my home loan on my own working with my mortgage company with no success. I have three children that I am taking care of by myself since my husband's passing and I needed help with my home loan. CDA Law Center has helped me to save my home so I am able to raise my children in the home that they remember being in when their Father was alive and with them. Walt Proctor, Lorraine, and Christi at CDA Law Center couldn't have been more helpful! Every step of the way I was guided by them and any concerns or questions I had they got back to me right away and were there to help explain or help with whatever they could. I was skeptical & nervous starting this process, but CDA Law Center can really be trusted. It did help that a friend of mine had already had success with CDA. I know you don't know me but I am telling you that CDA Law Center can help you to save your home and help relieve financial pressure you have been under. I am grateful for my new 2.00% fixed rate modification and new payment. My payment is now $1,288.36 with the taxes and home owners insurance included in my payment! Now it’s saving me roughly $850 per month! I don't know if I would even be able to rent an apartment in my area for that amount. Please put your concerns aside and read other reviews and then give CDA Law Center a chance to help you . Thank you once again Walt, Lorraine, and Christi.. Sincerely, Heather M
WE WERE TURNED DOWN ON HARP, CDA SAVED MY HOME – THANK YOU PAUL YOUNG & CRISTY NICHOLLS!
It is rare indeed to do business over the phone with a total stranger regarding something as personal as refinancing a home.,. Of course we were very skeptical as we had tried, unsuccessfully, to secure a loan from several lending institutions before your call. Your call gave us hope and was an answer to our prayers. Even though our credit rating is excellent you can imagine how discouraged we were to find there was little help forthcoming even from the HARP Refinance Program. We were in a terrible ARM paying “interest only” variable rate with no stability and a home severely upside down. Our fear was we would lose our home to foreclosure as we were facing an adjustable rate at the end of 2013. Both Betty & I are retired and on a fixed income. We just could not afford the higher interest rate we were facing. Now, thanks to you and the hard work of Christy Nichols, you were able to secure for us a loan modification with a much lower interest rate (6.375% ARM to 2.125% FIXED) and our payment went from $3,500 ITI to $2,796 Principal, Interest, Taxes and Insurance, The best part is a monthly savings of over $700, with payments that now include a monthly principal reduction. In closing, Paul and Christy thank you and CDA for making a miracle happen and helping us save our home, near our children, in a community we love. Sincerely, Al & Betty O____ of Oak Run, CA 96069
Al & Betty O
CDA LAW CENTER SAVED MY HOME – THANK YOU RAY GHAMSARI & CRISTY NICHOLLS!!
3/22/2013: I can't say enough positive things about CDA Law Center; my experience with this company was nothing short of amazing! Life was good until I suffered a traumatic workplace injury. My life began to spin out of control. I was on disability for the better part of six years. I underwent five surgeries and rehabilitations. During this time, my spouse, a Realtor, suffered a significant income reduction due to the market meltdown beginning in 2007. For the first time in nearly forty years of employment, I was unable to pay my bills. My situation was extremely urgent. I had attempted to modify my mortgage on my own, with my lender, Chase, without results. I was extremely frustrated. Bill collectors were calling and I had gone two years without making a mortgage payment. Chase was sending me a steady stream of notices advising me they were going to foreclose my loan. I felt overwhelmed. Finally, I received a notice from Chase informing me they had foreclosed my loan and that my home was going to the county foreclosure auction. My world had totally collapsed - I thought about giving in and just starting over again. I didn't think things could get any worse. Then I saw an advertisement for CDA Law Center and I decided to fight - I didn't want to lose everything I had worked so hard for over the past four decades. I contacted CDA Law Center. It was the best call I ever made. I first spoke to Senior Case Manager Ray Ghamsari. Ray gathered some initial information from me to see if I qualified for a mortgage modification. Ray then explained the modification process to me and said he would forward some forms for me to complete for a further review of my case. Ray's advise and reassuring voice let me know I had made the right choice. Ray followed up and emailed me the documents I needed to complete. In his first email to me, Ray wrote: "I know personally the horizon at times looks bleak, however with a proactive approach and investigation into the solution there may be an outstanding result for you. Result...Bleak-Free!" With just one initial telephone conversation, Ray had accurately assessed both my fear of losing my home and, my hope for keeping it. Ray remained my point of contact for the duration of my mortgage modification application process; he constantly emailed and telephoned me with case updates and advice. The next person I worked with was Processor Lupe Perez. I had sent Lupe some initial documents right away. I met some delays however in acquiring other documents I needed from a business partner. Lupe understood my situation and gently worked with me as I continued to supplement my modification application. Lupe's follow-up and attention to detail was impeccable. The next and last person I worked with was Senior Negotiator Christine Nicholls-Jacob. Christine worked with Ray and reviewed the materials that Lupe had collected from me and studied my case. Since I had some difficulty obtaining some of the application's supporting documents unique to my situation, the auction of my home was now only a week away. Christine explained to me that over time, she had developed a contact at Chase and she knew exactly how to frame my proposal for their easy review. I knew first hand that Chase had a notorious reputation for being hard to deal with so, the fact that Christine had a personal contact there put my mind at ease. Christine then drafted a mortgage modification proposal and forwarded it for approval and signature to CDA Attorney Robert Scurrah Jr., who had supervised and reviewed the entire process. Christine then contacted me and told me the CDA Law Center met Chase's deadline and submitted the proposal. A few days later, and one day before the scheduled auction of my home, Christine notified me that Chase had received my modification proposal and had postponed the auction of my home for one month while they reviewed my proposal. Christine said she felt good about our proposal. Good news arrived one month later when both Ray and Christine contacted me and told me that Chase had approved my mortgage modification - CDA Law Center had saved my home! The bottom line was that CDA Law Center was able to reduce my total monthly payments of $7,417.28 on a loan with a 6.25% interest rate, to $5,054.56 with an interest rate of 2.0%. Their work, not only saved my home but, it lowed my interest rate dramatically and saved me $2,362.72 per month. I'd like to end this review the same way I began it: I can't say enough positive things about CDA Law Center; my experience with this company was nothing short of amazing!" James C________ Danville, California
James & Zhou C.
The Place Where My Children Had Grown Up Has Been Saved! Thank you Martin Gaffney & Crystal Oropeza!!
3/11/2013 Greetings My Name is Eliodoro C., Last November I found myself in a very stressful situation, the only home we had ever owned was in jeopardy of being lost. The place where my children had grown up and the place where my grandchildren are developing their memories, due to the housing market getting out of control and the job market decreasing it greatly affected our income to the point of not being able to make such high mortgage payments. Our home had depreciated at least 100 thousand dollars in value. I didn’t know what to do, I tried working with the bank but it was to no avail, then one day surfing the internet I came across C. D.A. law center and I decided to make an inquiry to see if could get some help. I filled out a short questionnaire and to my surprise within the next 30 minutes I received a phone call from Mr. Martin Gaffney C.D.A. Law Center. I was very impressed with such promptness in which he answered the inquiry not by email but by phone thus making it very personal. He listened carefully to my dilemma and He began to calm all my fears by sharing with me the procedures and steps needed to pull out and how they could help me. Mr. Gaffney explained to me a step by step plan on how the modification process would unfold, he told me exactly what was expected from me and what C.D.A. law center would do for us. I would like to say that have dealt with many companies and many firms, but the one thing that stood out the most was the integrity in which C.D.A. Law Center works with. Their responses are very quick and when they say they will give you a weekly update on such and such time, it happens. This made me feel very secure and I was able to trust them wholly. I was also introduced to Crystal Oropeza , which was the negotiator, very kind and courteous also with a very high work ethic and integrity, she always responded quickly to all my emails and gave me steady updates along the process. My first contact was November 14, 2012 and the whole process was done by February 12, 2013, in approximately 90 days it was all done. We were approved, for modification reducing our mortgage payment – from $1,801.93 to $1,224.02, our Interest rate dropped from 4.870 % to 2.00% Fixed!! that is a monthly savings of $577.91. And that is not all there is more .. a principal forgiveness of ***$106,268** Talk about a Happy Camper that’s us !!!! Thanks to C.D.A. Law Center and all their hard workers and diligent work ethic and integrity. Now we have lots to look forward to as we continue to see our children and grandchildren grow and enjoy their Grandparents Home, as they call it “ Nanis house “ . With Grateful Hearts , Thank you , Mr. Martin Gaffney & Mrs Cystal Oropeza , and C.D.A. Law Center, Grateful Eliodoro & Consuelo C.
Eliodoro & Consuelo C.
AWESOME!!! Thank you David Vaughn & Suzie Bryant for Saving My HOME!!!
3/8/2013: I worked with David Vaughn. Without him I would have lost my home. We filed 3 times with the bank over two years and kept getting the same response; a deed in lui or a short sale. We were at the end of our rope and in default. David helped me every step of the way and was such a blessing. I thank God for David. I believe the Lord had a hand in this all the way down the line. Suzanne(Suzie)Bryant-Grijalva was the best negotiator. At first, I admit I was a little put off by her. She was blunt and abrasive, but she was exactly what we needed. We had a couple of moments when I truly doubted we were doing the right thing. I am so glad we stuck it out, because here I am. I am in my house!!! My payments are almost 30% less and I firmly believe that we can make it now. I am so grateful to God for putting them in my life to help me through this. The timing was exactly as they predicted. I spent two years back and forth with the bank to no avail. I only have one regret and that is not finding them sooner. Thank you Dave and Suzie!!!!! You are the best!!!! Words can not express the gratitude I have!!! Thank you David & Suzie at CDA!! Andrew & Pauline P____ of Tujunga, CA
Andrew & Pauline P
The Place Where My Children Had Grown Up Has Been Saved! Thank you Martin Gaffney & Crystal Oropeza!!
3/6/2013 Greetings My Name is Eliodoro C., Last November I found myself in a very stressful situation, the only home we had ever owned was in jeopardy of being lost. The place where my children had grown up and the place where my grandchildren are developing their memories, due to the housing market getting out of control and the job market decreasing it greatly affected our income to the point of not being able to make such high mortgage payments. Our home had depreciated at least 100 thousand dollars in value. I didn’t know what to do, I tried working with the bank but it was to no avail, then one day surfing the internet I came across C. D.A. law center and I decided to make an inquiry to see if could get some help. I filled out a short questionnaire and to my surprise within the next 30 minutes I received a phone call from Mr. Martin Gaffney C.D.A. Law Center. I was very impressed with such promptness in which he answered the inquiry not by email but by phone thus making it very personal. He listened carefully to my dilemma and He began to calm all my fears by sharing with me the procedures and steps needed to pull out and how they could help me. Mr. Gaffney explained to me a step by step plan on how the modification process would unfold, he told me exactly what was expected from me and what C.D.A. law center would do for us. I would like to say that have dealt with many companies and many firms, but the one thing that stood out the most was the integrity in which C.D.A. Law Center works with. Their responses are very quick and when they say they will give you a weekly update on such and such time, it happens. This made me feel very secure and I was able to trust them wholly. I was also introduced to Crystal Oropeza , which was the negotiator, very kind and courteous also with a very high work ethic and integrity, she always responded quickly to all my emails and gave me steady updates along the process. My first contact was November 14, 2012 and the whole process was done by February 12, 2013, in approximately 90 days it was all done. We were approved, for modification reducing our mortgage payment – from $1,801.93 to $1,224.02, our Interest rate dropped from 4.870 % to 2.00% Fixed!! that is a monthly savings of $577.91. And that is not all there is more .. a principal forgiveness of ***$106,268** Talk about a Happy Camper that’s us !!!! Thanks to C.D.A. Law Center and all their hard workers and diligent work ethic and integrity. Now we have lots to look forward to as we continue to see our children and grandchildren grow and enjoy their Grandparents Home, as they call it “ Nanis house “ . With Grateful Hearts , Thank you , Mr. Martin Gaffney & Mrs Cystal Oropeza , and C.D.A. Law Center, Grateful Eliodoro & Consuelo
NACA DID NOT WORK, HOWEVER CDA DID!
3/5/2013 My wife and i cannot thank , Todd Jarrett,Lorraine Whitford,Jacklyne and the entire CDA staff enough for getting our loan modification. Our mortgage situation had turned to a mental strain with the death of a son and the added support of granddaughter. The mortgage had become unaffordable we couldn't save anything for retirement, I was searching for relief. After many prayers and looking to GOD, I started to get e-mails from CDA, I would delete them and they keep coming back. I read a article on mortgage reduction and decided to call CDA. After a conversation with Todd Jarrett I was unconvinced that it would go through. We had been turned down by NACA twice. In the beginning I did not have confidence in Todd nor CDA Todd advised me based on my situation he could attain a loan modification. After several more conversations with Todd the process started on October 7,2012 and we received a call on February 12, 2013 we got the loan modification. THANK YOU JESUS! Jacklyne kept me updated on the process and on negotiations CDA will work for you, just be upfront with them tell them your entire situation. Invest in a reliable fax machine and submit all of your documents in a timely fashion. Thank you so very much.
Odell & Paulette
Gary and Jacklyne at CDA made this Ex-Dodger’s Dreams come true!!
2/21/2013: First of all, I tried for over 2 yrs with Chase to get some mortgage relief. I was assigned 10 different customer service people over that 2 yr period. I starting looking on the internet for some help because I was getting nowhere fast trying to work with Chase directly. I found CDA Law Firm and spoke to Gary McPeak. He was very informative and assured me that he would do everything he could to help me. We hit it off immediately as he was a big sports fan as well. I was drafted by the Dodgers back in 1969 as a pitcher. We talked about the great history of Dodger baseball and my predicament with Chase. After reading many of CDA’s reviews and actually speaking to recent clients, I decided to move forward. I was about as skeptical as one could be at the beginning of this process because I am self employed in the financial services industry and I know too good to be true when I hear it. When I received the call from Gary and Jacklyne at CDA that my modification was approved 3 months later, I almost fell out of my chair. I think I am still in a state of shock in regards to what they were able to accomplish for me. They were able to save me $1453 a month. I’m really glad I put my trust in them. Looking back, I was so close to giving up while Chase was running me around in circles. Gary and Jacklyne at CDA were honest and straightforward from day one. I highly recommend them to any struggling homeowners who need that lower rate and payment. Words can’t explain how thankful I am to Gary & Jacklyne & the rest of the CDA Law Firm staff. Thank you so much!
Stanley & Bridget R. Huntington Beach, CA 92646
I am very happy with CDA!
12/21/2013: From the very begining, Justin educated me on the process and asked me enough questions where he told me the likelyhood of getting a loan modification was good. So I went for it. But then my situation was seen as more complex than the average. Both Justin & Christine were willing to pursue the modification without the final fee because of the gray area I was in. Christine was very efficient at getting the servicer what they needed and within a short period of time I was notified that I was being offered a trial period for a loan modification. CDA Law firm's priority is the customer, not collecting unearned fees. I am very happy with CDA! - Jim
I AM A REALTOR & I FAILED TRYING TO MODIFY ON MY OWN WITH CHASE – please read:
2/20/2013: To whom it may concern: Regarding my loan modification with Chase Bank. I Raul P. Realtor, I spoke to Ray Aracho at CDA Law Center back in August 2011 stating that I was the Realtor in the Cerritos and surrounding areas, so he asked me for my services regarding the value on a property in Cerritos CA I did a Comparable Market Analysis at that time and then he told me he was from CDA Law Center, so I asked him. Do you do loan modifications? He said yes, and then I told him this is for myself because I bought my property in 2005 when prices were high and my payment was approximate $3,040 PITI so I asked him again, do you think you can help me to modify my loan? He said maybe but we need to get you pre-approved based on your situation before anything else. So I provided my information requested such as income taxes, bank statements and all items he needed. After a few days he called me and told me based on your information you may be ok to qualify and honestly I did not think Ray and CDA Law Center were going to be able to do it because my income varies since I am a Realtor and it is all based on commissions pay/sales. So we started the process in January 2012 and by June 2012 I got the good news that Chase Bank approved me the modification to start with the 3 month trial payment period. $2,019 PITI based on a 2% interest rate. My first payment was February 1st 2013 for my permanent modification and I am saving $1,020 per month. Ray Arocho and CDA Law Center always were here for me when I had questions and always replayed to my e-mails until I finished. Now I am happy that Ray Arocho came my way, I think God sent him my way to help me and I know that there are so many people who need help but they don’t know where to go. I really thank Ray Arocho and CDA Law Center for helping me with my situation and I hope that they can help more people like me to save their homes Sincerely. Raul P. Realtor Since 1993
To California Homeowners Who Do NOT believe this is real:
2/17/2013: First we would like to thank CDA Law Center and the staff for their assistance and fast conclusion to our problem. We had been negotiating with our mortgage company for over one year, and all we got was a run around with more papers to be sent with no results. We were two months behind when we reached out to Gary McPeak at CDA Law Center. Gary explained the whole process to us in detail. He really seemed to care about the ordeal we had been thru and was determined to help us. We took the time to read CDA’s reviews and speak to previous clients. This made us feel very comfortable with their track record. Our next contact was the processor Deena who explained what documentation was needed. She was always a help if you needed it and always returned our calls. The final step was our negotiator Crystal who finalized a resolution with our lender. She also was always willing to talk and explain the process even after we were approved. These contacts, Gary, Deena and Crystal were professional and easy to contact by phone or e-mail if a question needed to be answered. Their efforts concluded and lowered our payments considerably in a 60 day period. The fine folks at CDA were able to lower our rate from 6.75% to 2% Fixed and lower our payment from $2,390 to $1,475. What a life changer for us! We are so grateful that we found CDA and as a result can now afford to stay in the home that we dearly love. THANK YOU ALL, JOB WELL DONE. Bruce and Patricia K_____ Lower Lake, CA 95457
Bruce and Patricia K
Valentino Adams & Jacklyne Davis Saved My Home… A Sincere Thank You to CDA Law Center!
2/12/2013: “I had difficulties to keep up my mortgage payments due to the business difficulties. I contacted my lander for the loan modification or refinance. My lander interviewed me over the phone and told me that I might qualify for the refinance. The lander sent me a package of documentation for the refinance process. The lander requested some financial statement during the process. I provided the requested documentation to the lander on time, but I kept receiving the mail from the lander indicating the missing documentation. I tried to deal with lander for at least two months but nothing was accomplished. I started to get nervous for possible short sale or foreclosure of my house. I decided to search for the professional help to expedite the loan modification or refinance. I found CDA Law Center during the search. I contacted the office and Valentino answered the phone call. After talked to Valentino, I decided to visit the office to ensure that I found the right firm to process my mortgage. I physically visited the office and met with Valentino and the attorney. They explained to me the loan modification process and the service fee. They did not push me or trying to sale me of their services. They were professionally showed me some successful cases that the clients agreed to share without showing the identities. I did not hire them to handle my case immediately. I have requested some references from their clients. Valentino provided at least five contacts to me. I talked to them about the CDA Law Center services and I received positive feedbacks from all of them. After the evaluations of their services, I decided to hire CDA Law Center to process the loan modification for me. They assigned Jacklyne Davis to manage my case. I never met with Jacklyne but I did contact her very often through the e-mails and phone calls. I followed Jacklyne’s instructions to provide her the necessary documentations. I kept the communications closely with Jacklyne and Valentino to ensure that we are all in the same page of process. During the processing time period, my emotion was at ups and downs all the time. Valentino always called me and told me to Think Positive and Make Sure to Provide the Documents to Jacklyne “On Time”. He always respond to me right after he received my e-mails. He just like a patrol that always there to guard the whole process and to ensure I am staying positive and confident about their services. After four months working with CDA Law Center, I received a phone call from Jackylne. She told me the good news of my case. I have qualified for the loan modification and the monthly payment will be $800.00 less than my original loan and the new mortgage payment is also including the property tax and home insurance payment estimates. I just recently signed off the loan modification documentation. Just one signature and I am worry free now. Many thanks to Jackylne and Valentino! The CDA Law Center service is real and professional!” Tina L. of Mission Viejo, CA
Tina L. of Mission Viejo, CA
WHEN YOU ARE FACE TO MAKE IMPORTANT DECISION LET CDA LAW CENTER MAKE THEM FOR YOU!
2/11/2013: I WAS DIAGNOSE WITH STAGE #3 BREAST CANCER I WAS VERY SICK AND TIRE BUT I HAVE TO BE REALISTIC AND TAKE CARE OF ALL THE BIG DECISION FOR WHAT TO DO WHEN IM NOT WITH MY FAMILY. I DECIDED TO MAKE THE MORTGAGE PAYMENT LOWER SO IT WOULD NOT BE HARD FOR MY FAMILY TO PAY EVERY MONTH SINCE THEY ARE NOT GOING TO BE COUNTING WITH MY BAGET. I TRY THREE TIMES TO MODIFY WITH THE BANK BUT I WAS NOT ON THE SAME PAGE WITH TIME I DONT SPEAK VERY GOOD ENGLISH AND I DON'T HAVE NO PATIENT SPECIALLY IF IM GOING AROUND WITH THE BANK I ALMOST LOST MY HOME #3 TIMES MY HOUSE WAS PUT FOR SALE BY THE BANK AND VALENTINO AND SUZY THEY JUST TOOK THE BALL FROM M E AND TOLD ME TO REST AND LET THEM DO THE DURTY WORK MY CONDITION WAS NOT HELPING ME WITH SO MUCH STRESS BUT I HAD TO TRUST SOME ONE. I WAS VERY ANGRY AND I WAS NOT A VERY GOOD CUSTOMER I WILL ADMIT THAT SEVERAL TIMES I WAS VERY DIFFICULT AND NOT TO CONVINCE BUT VALENTINO ALWAYS ASSURE ME THAT EVERYTHING WAS GOING TO BE FINE THAT I NEED TO LET THEM DO WHAT THEY KNOW BETTER. AND TO FACE A BANK ON MY OWN I DON'T THINK SO! I TOLD THEM SHOW ME WHAT YOU HAVE AND THE RESULTS CAME OUT BETTER THEN I WAS ASKING THEY DID EVERYTHING FOR ME DIDNT ASK FOR NOTHING TO IMPOSSIBLE TO DO AND WE WHERE IN CONTACT WITH SUZY AND VALENTINO ALL THE WAY UNTIL TODAY THAT IS OVER AND THAT WE ARE FINALLY FINISH WITH ALL THIS MODIFICATION. I DON'T BELIEVE IN SANTA CLAUSE BUT I GOT TO BELIEVE IN CDA LAW CENTER THAT THEY DO THE TALK AND THE WALK I PERSONALLY SAW IT IN MY CASE IT IS LIKE A MIRACLE AND A VERY GOOD START OF THE NEW YEAR COMING IM VERY GRATEFUL TO THE PERSONS WORKING IN THIS LAW FIRM I WILL NEVER FELT SO GOOD PAYING SOME ONE FOR THEIR WORK AND ACTUALLY BE 100% SATISFY. I'M NOT AN EASY PERSON TO SATISFY IM VERY STUBBORN AND HARD HEAD BUT LIKE THEY SAY LEAVE IT TO BIVER LEAVE IT TO LAW CENTER TO TAKE CARE OF WHAT SOME TIMES WE CAN'T DO FOR YOURSELF THANK YOU NOW I CAN DIE IN PEACE NOT WORRY ABOUT WHERE MY FAMILY IS GOING TO BE. CDA LAW CENTER AND VALENTINO & SUZY I GUARANTEE YOU THAT THEY ARE THE ONES TO TAKE CARE OF YOUR BUSINESS 100% SATISFACTORY AND 100% ON EVERYTHING THEY DO I BELIEVE IN MIRACLES NOW BECAUSE OF THEM THANK YOU FROM THE HEART KEEP UP THE GOOD WORK. THANK YOU CDA LAW CENTER, ESPECIALLY VALENTINO ADAMS & SUZIE BRYANT.
Frank & Guadalupe R. of Modesto, CA
Nightmare turned into a Dream come true! Thank you Gary McPeak & Tyler Bass!
2/5/2013 After 2 attempts met with denials by ourselves to work with our lender to get a loan mod, we decided one last time to try before having to throw in the towel, or house, as the case may be. It was a difficult decision to go with CDA Law Center primarily because there was no guarantee, but we felt trapped and the sales pitch by Gary McPeak was heartfelt. We had many questions before we committed to the firm, all were answered respectfully and honestly by Gary and Tyler who is the underwriting manager. After 3 months, countless hours of worry about 'will this work?', we are absolutely delighted to say we have a loan mod approval that reduces our principal $150,000, cutting our monthly payment by $1265, and reducing our interest rate reduction from 6.37 to 2% fixed. This is honestly much more than we had hoped for! We can finally start to breathe....and look forward in a positive way. We would not hesitate to recommend Gary McPeak and Jacklyne Davis at CDA to another person with true hardship. We were always treated courteously, respectfully, and with care, even in the face of our questioning moments of feeling panicked. A huge Thank You to the team at CDA and their hard work on our behalf...we feel we not only got our home back so to speak but our lives as well. Ann/ Rich S. of Lake Elsinore, CA 1/23/13
Ann/ Rich S. of Lake Elsinore, CA
A THANK YOU TO CDA LAW FIRM – ESPECIALLY RAY AROCHO & KATHY TERBEEK
1/28/2013: My thinking in dealing with the Bank of America about lowering my interest rate seemed daunting to me, but still I had great difficulty in paying over $2500 per month from my retirement income on my loan. Knowing that I needed help, I was happy to hear from Ray Arocho, who assured me that CDA Law had worked on hundreds of loan modifications successfully and pointed out that they could help me as well. Being skeptical and aware of scams, we talked several times before I agreed to have them work for me. It took awhile, but everyone who worked on my case felt sure they could get the rate lowered. My final negotiator, Kathy Terbeek put on the finishing touches, and my rate dropped to almost 2% with a change from over $2500, to $1779, a savings of over $700 per month. Kathy was terrific, patient all the way, and keeping me informed at every step. B of A was insistent on receiving items over and over, ad nausea, but it was all worth it. Thank you so much, Kathy, for your hard work fighting for me all the way, and to everyone at CDA Law who participated. All of Ray Arocho’s promises were all kept.
Dr. Byron & Alice Marie N.
Loan Mod. Approval - Our Stress is Relieved! – Thank you Paul Young & Jacklyne Davis
1/21/2013: We would like to thank CDA Law Center, especially to Paul Young and Jacklyne Davis. Special thanks to Jacklyne who worked hard to get our loan modified, on Nov. 29, 2012, we received a call from Jacklyne that our mortgage was approved for a loan modification. She was able to negotiate and cut our mortgage payment from $2954 to $1450.74. Our trial payment started on 01/01/2013. It has been a very stressful and emotional period in our life, not knowing if we're able to keep our house. Thanks to CDA Law Center, they really went out of their way to help us keep our house. So again, thanks to Jacklyn Davis, Paul Young and all the staff of CDA Law Center. Fradela and Jim A. of Ontario
Fradela and Jim A.
CDA IS BY FAR THE BEST OUTFIT TO ASSIST IN A LOAN MODIFICATION! !100% KNOWLEDGEABLE AND TRUSTWORTHY!!
1/16/2012: MY WIFE AND I SUBMITTED FOR A LOAN MOD TWICE ON OUR OWN WITH OUT ASSISTANCE TO ONLY BE DECLINED BOTH TIMES. WE THEN HIRED AN ATTORNEY BY THE NAME OF KASSAS WHO ENDED UP TAKING 4500.00 HARD EARNED CASH FROM US AND RECV. NOTHING BUT ANOTHER DENIAL LETTER IN RETURN, AFTER SOME BROWSING I STUMBLED ONTO CDA, AND COULDNT SAY ENOUGH ABOUT OUR EXPERIENCE! IN SHORT, CDA ASSISTED US IN NOT ONLY A LOAN MOD. BUT FILING A COMPLAINT WITH THE STATE BAR DIRECTED TOWARD MR. KASSAS, TO DATE WE ARE STILL IN THE PROCESS IN TRYING TO RECV. OUR MONEY BACK FROM MR. KASSAS (STATE BAR NOW, BECAUSE ALL OF HIS ACCTS. HAVE BEEN SEIZED) AND WE HAVE A SUCCESSFUL LOAN MODIFICATION WITH A NEW INTEREST RATE OF 2.65% (AS OPPOSED TO 6 3/8..) THANK YOU SO MUCH CDA ! WOULD RECOMMEND YOU TO ANYONE WITHOUT HESITATION!! TOP NOTCH OUTFIT !
THANK YOU GARY MCPEAK & SUZIE BRYANT FOR BOOSTING MY LIFE!
1/15/2013: I would like to thank you once again for the hard work and long hours you put into helping my family and I keep our home that we built from the ground up. If it wasn't for your firm CDA LAW CENTER, I don't know what we would have done. Since I made that first phone call to Gary, it felt like a ton of pressure off my back. Gary and Suzie worked like clockwork from start to finish. These are two of the greatest people that definitely want to have on your side going to bat for you. They kept us informed and were always available to answer our questions. CDA was able to take my family's mortgage payment from $2,418 to $1,156. They were also able to lower our interest rate of 6% to 2% fixed with a principal reduction of $136,836.49! I just flipped over this when they gave me the call. I never ever would of thought this would happen to me and my family. I was already months behind on my mortgage and taxes before I reached out for the help. Thanks to CDA, my family and I can start living a stress free life again . If there is anyone who's thinking about going this route and uncertain, this is the road to take ! You can trust Gary & Suzie ! They changed our lives forever !
Gilbert & Melanie C.
If it can be done, CDA can do it! Thank you Paul Young & Jacklyne Davis!
1/11/2013: In 2008, my wife and I lost a business that we had operated successfully for over 30 years. Our income dropped drastically and we worried about losing our home. My wife started another small business and that income plus Social Security was not enough to continue making mortgage payments on a 6.5% loan. We tried (on three occasions) to work with our bank to secure some type of modification. Each time, after two or three agonizing months, we were told we made too much money, not enough money or had submitted faulty documentation and were denied. I had just applied for my fourth attempt at a modification with the bank when I noticed an ad on Pandora for a “special” kind of refinance option. I filled out an online form and within minutes of submitting the document online, Paul Young from CDA Law Center called me on the phone and gave me the pitch that he could accomplish what I had been unable to do myself. A few other firms called but only after three or four days after my submission. I thought “REALLY who is this guy”? Well, as I was sticking my foot in the door, he started asking some harmless questions. He seemed nice enough so what would a couple of minutes hurt. I gave him my info and he told me that we actually did qualify for a loan modification and he could get it for us. “Yeah, right”, I thought. I hung up and talked to my wife and we both felt that this was a scam with a capital S. However, when Paul called a few days later, he set up a conference call with me, my wife and son. We were then contacted by other members of the CDA team who convinced us this may be worth a try. In the meantime, we read any review we could find about CDA. While we found a few negatives, the overwhelming number of reviews was positive. Even with our extensive due diligence, we actually planned to lose the fees that we paid to CDA but we felt it was worth giving it a go. After we signed on, the CDA team literally sprang into action. Lupe Perez, started gathering the same documents that I had unsuccessfully submitted to the bank and then turned them over to our negotiator, Jacklyne Davis. Jacklyne worked with us to prepare a package which she then submitted to the bank. She bought up points that we had never considered. In a word, she is magnificent at her job. We never had a doubt that she knew what she was doing because of her professional, no nonsense approach to our case. She and Paul were always available to answer questions and give advice and comfort when needed. We NEVER felt ignored. Finally, last week, we were notified that we did actually qualify for one of the available modification programs. We start our trial period in February and, if we make our payments on time, we will get a permanent modification. Our new interest rate is 2% and the new payment of $1,531.00 will be $936.00 less than our previous principal, interest and taxes of $2467.00. Our case is proof that CDA can succeed where we, as individuals, cannot. We are forever grateful to the entire CDA team but especially to Paul Young and Jacklyne Davis for their tireless efforts on our behalf.
CDA Law Center Delivered on Their Promise – THANK YOU Ray Arocho & Suzie Grijalva-Bryant!!
1/10/2013: We would like to Thank CDA Law Center and especially Mr. Ray Arocho and Mrs. Suzie Grijalva-Bryant for assisting us with our modification. At first we were very hesitant to work with CDA law center. Previously we had attempted a loan modification with another company, only for them to take our money and leave our case in the middle of the process. The whole modification process turned into a NIGHTMARE. After being abandoned by this company we were left to deal with our mortgage company. I had to file Bankruptcy. It seemed like we faxed hundreds of pages and made numerous calls. It seemed like our mortgage company did not want to help us. After a while we received an offer that took our mortgage from $1830.00 to $ 2065.06. Unfortunately that was not a good modification the bank added the past due payments and gave us a higher mortgage. My husband and I are both retired and live on Social security benefits. We completely felt helpless as we saw that we were losing our home. Then one day we received a call from CDA law center. Mr. Arocho came to our home and spoke to my Husband and me about CDA Law center. Mr. Arocho knows very well that we were very hesitant at first. Thankfully we made the right decision and trusted CDA Law center with our modification. We are very grateful for Suzie’s help; she always kept us updated with all the negotiations with the lender. CDA delivered on a payment that took us from $2000 down to $1367, saving us over $698 Per Month. Also, our interest rate dropped to 2.00%. Words aren’t enough to thank Ray & Suzie for their hard work. Thank you CDA Law center for helping us obtain our modification. We will forever be grateful!
Carlos and Maria C.
Thanks to Gary & Cristine at CDA Law Center!
1/7/2013: Today I received the best Christmas gift any struggling woman could ever receive. For I received a call from Cristine Nicholls-Jacobs, the Senior Negotiator for CDA Law center. I want to share with all those folks who are struggling with their high interest mortgages on up-side down values, there is hope to modify your mortgages. Even if you faced one or more failed attempts, it's not over, there is help! I tried to get help modifying my loan, only to learn I wad sold off (notice was coming in the mail). I tried many other avenues, like web sites, promises of modification sites, and even meaningful friends advice. I was feeling very alone, stressed, and loss at this point, thinking maybe I should just give up; however, sometime in September of this year, while searching the Internet, I came across a web site and filled out their questionnaire. Immediately I was contacted by Gary McPeak, the Sr. Case Manager for CDA Law Center. Gary introduced himself and then explained to me what the Center was all about. Gary asked me a series of intense questions and explained what I needed to provide for them and the time with which to accomplish each request that was made. Gary also explained exactly why each step was needed and what I should expect. I was still a little apprehensive until I received the call from Cristine Nicholls-Jacobs , Senior Negotiator, and right away I felt a sense relief. Cristine was very friendly, knowledgeable, and understanding of my fears. However, I signed up on the spot. I knew they were my last hope of keeping my home. The process was a little worrisome, not totally worry free; but, they were on top of everything and were available to me at any time. Cristine's sensitivity and compassion where beyond the call of duty, which I will always be grateful! The process is timely, but the outcome is well worth the wait. Then it happened. Christine called me December 10, 2012 to tell me that my modification came through! I was speechless and so relieved after hearing her beautiful words. yes, my process took a little over 2 months, but compared to the fact I had been fighting to keep my home for more than 5 years, a few months was nothing. With so many folks out there with my same situation, who are struggling trying to keep their homes out of foreclosure or a short sell; who feel alone, deserted and stressed-out to the max, I would highly recommend you contact either Gary McPeak, or Cristine Nicholls-Jacobs at the CDA Law Center. They are here to help you! I prayed to God to show me the way, I prayed to walk with me and God sent me two wonderful angels. I will be ever grateful. Shirley of Paso Robles, CA
CDA Helped Out BIG TIME!
1/7/2013: All I have to say is, I was the biggest skeptic about CDA at first. But after reading the testimonials and doing a little due diligence on my part, I had to make a decision and give it a try. You know how in life some "trys" are successful while many "trys" are not? Well this "try" turned out to be a success! Ray Ghamsari & Cristine Nicholls were the ones who guided me on this path that I never traversed before. It was scary, it was stressful, it was crazy - but both of these professionals assured me, and reassured me along the way that all was going to be smooth. And smooth it was. My lender is Indymac Bank. I tried to do a modification in 2009 but as you probably know, got the run around. For example, they made me send paperwork to them that they themselves sat on. Then they had the audacity to tell me that the paperwork I sent them was too old. "Hello! You guys sat on my paperwork" I told them. In the end, after all the headaches, they declined me. I hung in there with my loan from 2005 - 2012 and realized the "try" I made back in 2005 was a bad "try". I got a call from an automated message which advertised CDA. I thought "what do I have to lose, let's see what they can do for me". They saved me over $800 a month - BAM - just like that! Don't believe me? Remember I am the biggest skeptic in the WORLD! AND IT WORKED! Still don't believe me? I guess you can say goodbye to your home or find some other place that might guarantee something but end up scamming you. I'm a real person who got a bad interest only loan in 2005, was hoping to ride the value up and sell the place. Didn't happen. Thought I was gonna lose the place. Enter CDA - place saved, end of story. Best wishes to you! OH, and give em a try.
More than a few prayers went along with my decision to hire CDA:
12/31/2012: When I first spoke to Gary McPeak at CDA, I was nervous and skeptical. After being in business for 45 years, I had just lost my best client. This was a financial loss of over $4,000 a month for me. My husband is medically retired at 75 yrs old and I am currently the major breadwinner of our family. I was in a position where I could no longer afford the mortgage payment of $2944. I have to admit I was wary having heard many sad stories about homeowners trying to modify on their own with the bank. Gary answered all my questions and begun the process alleviating my fears. He always got right back to me when I had any questions or concerns. CDA did not promise me a modification. They did tell me whey they felt I should be able to qualify based on the guidelines. More than a few prayers went along with my decision to hire CDA. After I sent my paperwork into the processor, my filed was moved to the negotiator Suzie Bryant. She is very forthright and dependable. She is a good fighter to have in your corner. Within 60-90 days, I received a call from Gary and Suzie letting me know that I was Approved !! I was thrilled by the fact that they were able to lower my payment from $2944 to $1923 ! We will be able to stay in our home after all. We love our little place and have wonderful neighbors. Our interest rate fell from 6.9% to 2% fixed. Our son and his wife were also modified by Gary McPeak. CDA is very professional and made the process smooth from start to finish. These people really know what they are doing ! I would recommend them to anybody that is struggling with their current mortgage. Sincerely, Marilyn G
If it can be done, CDA can do it! Thank you Paul Young & Jacklyne Davis!
12/26/2012: In 2008, my wife and I lost a business that we had operated successfully for over 30 years. Our income dropped drastically and we worried about losing our home. My wife started another small business and that income plus Social Security was not enough to continue making mortgage payments on a 6.5% loan. We tried (on three occasions) to work with our bank to secure some type of modification. Each time, after two or three agonizing months, we were told we made too much money, not enough money or had submitted faulty documentation and were denied. I had just applied for my fourth attempt at a modification with the bank when I noticed an ad on Pandora for a “special” kind of refinance option. I filled out an online form and within minutes of submitting the document online, Paul Young from CDA Law Center called me on the phone and gave me the pitch that he could accomplish what I had been unable to do myself. A few other firms called but only after three or four days after my submission. I thought “REALLY who is this guy”? Well, as I was sticking my foot in the door, he started asking some harmless questions. He seemed nice enough so what would a couple of minutes hurt. I gave him my info and he told me that we actually did qualify for a loan modification and he could get it for us. “Yeah, right”, I thought. I hung up and talked to my wife and we both felt that this was a scam with a capital S. However, when Paul called a few days later, he set up a conference call with me, my wife and son. We were then contacted by other members of the CDA team who convinced us this may be worth a try. In the meantime, we read any review we could find about CDA. While we found a few negatives, the overwhelming number of reviews was positive. Even with our extensive due diligence, we actually planned to lose the fees that we paid to CDA but we felt it was worth giving it a go. After we signed on, the CDA team literally sprang into action. Lupe Perez, started gathering the same documents that I had unsuccessfully submitted to the bank and then turned them over to our negotiator, Jacklyne Davis. Jacklyne worked with us to prepare a package which she then submitted to the bank. She bought up points that we had never considered. In a word, she is magnificent at her job. We never had a doubt that she knew what she was doing because of her professional, no nonsense approach to our case. She and Paul were always available to answer questions and give advice and comfort when needed. We NEVER felt ignored. Finally, last week, we were notified that we did actually qualify for one of the available modification programs. We start our trial period in February and, if we make our payments on time, we will get a permanent modification. Our new interest rate is 2% and the new payment of $1,531.00 will be $936.00 less than our previous principal, interest and taxes of $2467.00. Our case is proof that CDA can succeed where we, as individuals, cannot. We are forever grateful to the entire CDA team but especially to Paul Young and Jacklyne Davis for their tireless efforts on our behalf.
Robert & Diana C
A Special Thanks to CDA Law Center, Suzie Bryant and Valentino Adams
12/5/2012: I was referred to Valentino Adams from a family friend who had had success with CDA in modifying their home. I had tried valiantly on my own as well as with another not-so-reputable mortgage modifier to work with Bank of America, only to be told that I had two options, short sale or foreclosure. I was reluctant to hand over more money for what I thought was a hopeless situation, but after speaking with Valentino, I gained a new sense of hope. My file was assigned to Suzie Bryant shortly after my initial call. The Gods must have been shining down upon me when they paired Suzie and Valentino together. After getting to know Suzie through our interactions, I realized she would fight the unending battle with BofA until she got what she wanted. She is a fierce and tireless negotiator and I really feel that she put her heart and soul into saving my home. And Valentino was such an amazing source of strength and support, always reassuring me, calming me, telling me things are going to work out. There would be times when I would get a return call from him at 6:00 o'clock at night. I would say, "What are you still doing there?" His response: "I just didn't want to leave for the night without answering your question." I was never made to feel like a number and that meant so much to me. With all of our interactions, I now consider them both friends. It is because of their dedication that I won't have to tell my eight-year-old twins that we have to move from the only home they have ever known. That is the greatest feeling in the world. It was the reason I had so many sleepless nights for so long. I am indebted to you both, and I can't tell you how grateful I am for allowing me to stay in a home where we have created so many wonderful memories. For anyone out there who is in my situation, please put your trust in CDA. If you are forthcoming about all your information and if you follow through on your end, I promise you they will do everything they can to save your home. Suzie and Valentino, I wish you both nothing but the best in the future. Thank you from the bottom of my heart. Warmest Regards, Megan
The results speak for themselves
12/3/2012: After spending 10 years in my home, interest on the mortgage continued to grow, the price of my house continued to fall, and my personal income shrunk. I had spent over 9 months working with my lender attempting to adjust a payment of $3,307 a month. I decided to try to get it adjusted on my own. Every month, I would send the same package of paperwork and they would claim to have lost some and need it sent all over again. As frustration mounted, I looked for possible lawyers, leery that scammers were everywhere. After speaking with Justin Dickson, I felt like maybe this would work out but still remained skeptical. After following through with the clear steps (a package that was almost identical to that of the lender’s), the results speak for themselves. I now only pay $1,842 a month and I have passed the information to a friend and they helped them too. I cannot thank CDA and Justin Dickson enough for all the help.
Andrea and Angela O.
Great Job CDA!
11/29/2012: Thank You! CDA did a great job of taking us through the loan modification process. We were a particularly difficult customer with a huge pile of paperwork to submit and schedules that made communication difficult at best. Gary McPeak, Lorraine Whitford, and Jacklyne Davis did a great job of keeping us on track and keeping our complicated financial situation straight. I can't say enough about how pleased we are with CDA as well as our outcome with B of A. When NO BANK would consider refinancing our mortgage CDA worked with B of A to achieve excellent results. Real Professionals! - Devin G. & Trista S.
Devin G. & Trista S.
THE RESULT IS ALMOST EXACTLY WHAT CDA TOLD ME MY OUTCOME WOULD BE: THANK YOU GARY MCPEAK & JACKLYNE DAVIS!!
11/27/2012: Thank you CDA Law Center!!! I started this process being very skeptical but have received a far better outcome than I dared hope for. I was skeptical because, a few years ago, I had filed for a modification on my own and was denied by Chase Bank. So, before signing a contract, CDA Law Center's Gary McPeak gave me the names of people who successfully modified their mortgages and I spoke with a number of them. Their success with CDA is what encouraged me to try again for a modification but this time with CDA's help. I am so glad that I made that decision!!! I just received my letter via FedEx from Chase Bank that states the terms of my modification trial period. Prior to the modification, I was paying monthly $4443 for principal, interest, taxes and insurance. My interest rate was 6.725%. With the modification, my interest rate is reduced to 2% and my total monthly payment including principal, interest, taxes and insurance is $2,617.07. This result is almost exactly what CDA told me my outcome would be. My sincere thanks go out to the entire team that helped my with my application; Gary McPeak who encouraged me to apply, Lupe Perez who assembled my documents and Jacklyne Davis who worked with Chase Bank to obtain a response from the bank in less than 30 days after filing the application. It is hard for me to believe that after years of struggling to make my payments as a single parent who had experienced a job loss and then erratic pay as an independent contractor that I will get some financial relief and stay in my beloved home. I can't thank you enough. The people at CDA law Center are doing good work and really helping people. I can truly testify to that fact. Thanks again.
I WAS VERY SKEPTICAL WHEN I HIRED CDA LAW CENTER, THANK GOD I DID.. THANK YOU DAVID VAUGHN & CRYSTAL OROPEZA!!
11/19/2012: When I received the first call from David Vaughn, I almost immediately wanted to hang up because I thought it was just another scam. After our conversation I felt it was worth looking into so I spent some time checking out CDA website. Convincing my husband wasn’t easy and with some skepticism we agreed to follow through with the process. David was fantastic, answering all our questions and reassuring me when I started to get nervous. Crystal Oropeza handled all the paperwork, always professional and kept me informed on everything that was going on. Once the paperwork was completed and submitted to my lending agency my loan modification was approved in less than 30 days. It took my monthly payment of 3700 to 1375 and my interest rate from 6.6% to 2%, JUST AMAZING! We are so grateful to CDA and a special thank you to Crystal and David for all their hard work. David and Kathy S., Nice, CA”
David and Kathy S
“I’M A REAL ESTATE BROKER, I UNCOVERED MANY HOME LOAN MODIFICATION SCAMS”
11/19/2012: To say the least, I am ecstatic. I battled with Chase Bank for almost 4 years. I almost lost my home twice. In my quest to find financial help I did lose two rental properties. CDA law came to my rescue. My final out come was hundreds of dollars lower than I was told to expect. I am a Real Estate Broker. I personally uncovered many “Home Loan Modification “scams in my search for help. What I learned was that you don’t pay up front and you need to know the inside answers before you answer the questions. This group of folks not only helped with the answers but they were a friendly and professional staff of people that made things happen. I’m just sorry that I didn’t find them sooner. Paul Young was my first contact. He was my case manager. He over saw and walked me through the maze of requirements. He made sure I fell into the guidelines of what was needed to get approved. Documentation was the hardest for me. Being self employed made things harder. My personal packaging expert was Loraine Whitford. She worked with me personally to put the needed documentation together. Wow, what a pro. She was relentless in keeping me on track. I was eager to supply too much or not quite what was needed. She patiently walked me through each and every page of paperwork needed. Let me repeat, patiently guided me. Finally there was Christine Nicholls. She was my chief negotiator. She fine tuned my packager. She could see things in the same light the lender wanted and needed to process my package. Her insight, experience and negotiating skills were remarkable to say the lease. She was stead fast. She fine tuned things and pushed it through. My personal service team was unbelievably patient. They were so quick to answer my questions (I questioned if they ever went home). I got answers to my questions (usually in minutes). They worked professionally to guide me. I was never put off. They personify the word professionalism. Just saying thank you seems so hollow. You, my friends, have been instrumental in not only changing my financial life, but changing my lifestyle to say the least. My home is my life, therefore you saved me & my families lives. Well done team, thank you! Wayne & Barbara of Corona, CA
Wayne & Barbara of Corona, CA
GOD ANSWERED MY PRAYERS WHEN HE GUIDED US TO TODD JARRETT & CRYSTAL OROPEZA, THANK YOU!
11/17/2012: In June of 2012, because of our nightmarish experience with Bank of America, I began looking for someone to help us out with our ongoing issue to make ends meet, due to an extremely large mortgage payment. It took them about a year to tell us we didn’t qualify and they didn’t even give me a reason why we were turned down. They ran us around in circles, we had 8 assigned Customer Service Reps and faxed them over 200 pages in 12 different occasions – half the time, I had to re-fax to them because they said they didn’t receive it the first time. Bank of America was simply the worst possible experience of my life. Therefore, I called several companies who made promises they couldn't keep. I talked to a couple of friends who were in the Real Estate trade and they referred me to CDA Law Firm. I placed a call to Todd Jarrett. I explained our situation. I was almost about to cry just explaining our situation. Todd asked me a few questions, then came back to tell me he could help us out. He and Crystal got to work immediately. They called and emailed me updates for their every move, keeping me from ever questioning them about anything. Next thing I know, my husband and I got a letter delivered from Fed-Ex - when we saw B of A, we almost cringed with fear. I opened the letter and literally began to cry! My husband did not know what to make of the tears, all I could say to him is Chuck - Todd and Crystal did it!! Oh my gosh they saved our home!!" I had to sit back down and still I couldn't believe it. Then as I continued to read the letter, I came to the new monthly payment and interest rate of 2.00% and my payment was literally cut in half!! Thank you Jesus!! Words cannot express this feeling of financial security. Again, financial freedom to do other things and keep my mother here with us, meaning she still has a home and someone to care for her. I wish I would've found CDA sooner, it would've saved me so much stress. I have never felt so lost and been in such fear of losing our home. We brought my mom to live with us because she became too ill to live alone. My 14 year old son, husband and I care for her and our elderly neighbor, who has no family... outside of running our own business, home schooling, doctor runs, etc... I prayed and prayed that we wouldn't have to move out, place my mom somewhere else and then to tell my neighbor "the only family you have is leaving the neighborhood" OH I WAS CRUSHED! My son says that Mom put it in God's hands, hands like you always tell me. Needless to say, God answered my prayers when he guided us to Todd & Crystal. With Todd & Crystal's hard work, honesty and devotion to their customers, I would do anything to get other people to at least call Todd & Crystal. Again, THANK YOU! THANK YOU! THANK YOU! We could not imagine what would have happened if I never found and/or contacted you. We appreciate you both and I honestly cannot thank you guys enough. Thank you CDA for blessing us with Todd Jarrett and Crystal Oropeza!! I could call you and thank you every day for as long as I live and I don't think that is sufficient enough. If you have any client and/or clients who have questions PLEASE have them call me. I will share my entire experience, because I know you changed our lives and you can change their life too! Biggest Hugs & a Million Thank yous, To Todd, Crystal!!!! Lisa Aragon & Charles Moore of Canyon Lake, CA 909-322-8079
Lisa & Charles A.
CDA Law center saves a veteran's home!
11/17/2012: Many thanks To Gary McPeak, Lorraine Whitford and Christine Nichols! Times these days are hard. Times are even harder when your income drops significantly. Around two years ago I retired from the military. Well paying jobs can be hard to find in these times and I was fortunate enough to find a decent job. Even with a job and my retired military pay, I was forced to use my savings to shore up the cost of my mortgage and living expenses every month. I watched my savings dwindle every month to extinction. My mortgage payment became increasingly harder to make every month. Finally at my wits end, I called CDA Law Center. Gary McPeak answered the phone and I am certainly thankful that he did. Gary assured me that while there are no guarantees of a loan modification; however, I was a good candidate. Finding someone to trust when you are in need is hard these days, and I can assure you that CDA law center has your best interest at heart and I can tell you, that Gary McPeak, well- this man is a saint. My home came very close to a foreclosure sale, and Gary was always there to explain the modification process and how it works. Gary was also careful, I noticed, to never promise me a modification, he merely told me that my chances were good. CDA has accomplished over 3000 loan modifications, that’s quite a number considering only 13% are offered modifications as opposed to foreclosure. CDA also uses the REST report to gauge whether or not an individual fits for a loan modification. They use the REST report to communicate with your bank too- This is like communicating in the bank’s language for you when presenting your modification proposal. These facts helped me to keep the faith in the process while I waited for my modification to come through. This was a daunting process of stressful sleepless nights and my situation was a constant concern for me. My mailbox was full of letters urging a short sale from real estate agents - “Vultures” is a better word. My many thanks to Loraine Whitford for helping me get my documentation for the modification proposal. Lorraine is patient and kind, and not only helpful, but extremely knowledgeable about the exact documentation needed. The best I save for last, my negotiator Christine Nichols. I cannot imagine how stressful her job is every day. Christine was there for me through this harrowing process. Again she was careful not to promise me a modification, rather to explain the intricate process every step of the way. Christine never failed to return a phone call or email, and that in itself is rare these days. Believe me, I wrote her some letters to explain my stress. Christine worked with impressive tenacity with my lender. Words are hard to find when describing someone fought so hard for me to save my home. Let me suffice to say that Christine is a true professional who cares deeply about her clients, she has my heartfelt thanks. I just received my modification and I am now saving over $900 on my mortgage, with an interest reduction to 2%! You may have heard horror stories about companies offering to help you get a loan modification. I did too; I have a friend who paid a firm over $5000 to help with a modification and no results. I can assure you that CDA Law center is a firm that will work hard for you to get a modification, and tell you if they can help you before taking your case. Somehow Thank you just doesn’t seem like enough.
“WHEN ONE DOOR CLOSES, ANOTHER ONE OPENS” THANK YOU ZACH HANSEN & CRYSTAL OROPEZA FOR SAVING OUR HOME
11/13/2012: As the old saying goes, "When one door closes another will open." That is what I felt like many doors closing. My husband and I are self-employed in the contraction industry and with the economy what it is are bills started backing up and one of them was our mortgage. Our home, the house were we have raised all of our 5 children and I dream to see them bring their children to. My husband business slowed down and before we knew it we were two months behind on our mortgage. I called many different companies for help in lowering our mortgage interest but, all I kept hearing was "sorry, you do not qualify for any loan programs at this time." Then one day Zach Hansen from CDA Law Center and I spoke and he gave me some information about the modifications they were getting approved for homeowners. I was not ready and I kept thinking it sounds too good to be true. He would send me updates on other clients but never made me feel pressured. I prayed on it and felt that this was our door opening, We talked again a couple months later and my husband and I decided to move forward with his help. I would have several questions throughout the process and they would answer each and every one. Zach Hansen, Lorraine Whitford and Crystal Oropeza were all our Angels they handle everything and help us get a 2% interest and lowered our payment by $1600 a month. Yes, they were our door that opened and I really don't think this would have helped if we do not have their help. Do I recommend CDA Law Center? Yes..100%, let them be your door to open. Some of you may think that we work for them believe me, we do not. They worked for us to the end and still are, I know I can still call and they will answer all of my questions. Carmen F. of Bellflower, CA
CDA law is the best!!!
11/12/2012: I had tried two other companies which turned out to be scams and just took my money. I had even tried working with the bank itself , got in a trial modification , paid all the trial payments on time, just as the bank (BofA) required ...for not only 3 payments ....but 10 consecutive payments-Only to get denied the permanent modification. I even wrote letters to a congressman. Two years of trying everything and anything to get a modification. We were desperate and the house was in default ...when my sister had recommended CDA law... Of course I was skeptical since we had both been scammed before but she begged me to call and talk to Paul Young. Finally in April of 2012, I did. Once I got all the paper work to Paul Young and Lupe (special thanks to Lupe also). It probably only took about 45 days before Jacklyne Davis stepped in to negotiate with B of A and got our trial loan modification approved !! Both Paul and Jacklyne are the best!! They are on top of everything!! They call you right back or email you back the same day!! They are very compassionate and understand how stressful this process is and are always there to answer any questions or concerns. If one doesn't answer right away, the other one will -great team effort, if one doesn't the other surely will. I am so grateful for what CDA Law did! We are now in our second month of the trial modification. I am self-employed 1099 and I was in the #1 predatory loan- Negative Amortization loan. My Interest Rate went from 6.625% to 2.00% Fixed! And my Payment went from $4,575 Nag Am to $3,129 Principal, Interest, and Taxes & Insurance. And the best part is we received a $221,207 Permanent Principal Balance Reduction! But the Most Important thing is we get to keep the home that we love for the Rest of Our Lives!!! I am looking forward to making our last trial payment at the end of this month! And making this trial modification into a Permanent loan modification!!! I will keep you posted. Thank you so very much Jacklyne and Paul for always being there and helping through this stressful process. Because of your reliability, constant reassurances and, knowledge of process, it kept my blood pressure down. LOL. Thank you Paul and Jacklyne! Thank you CDA Law! Sincerely, Diana T.
CDA Law Center saved our home !
11/7/2012: During the process of our modification, I had a medical emergency with a brain tumor. I was in ICU for a week and not sure if I was going to make it. Thank god the surgery went well and I was recovering at home for weeks with the care of my wife Cheryl. CDA was patient with Cheryl and myself thru the whole process. We had tried on our own with Wells Fargo for over a year. They kept running us around in circles when we desperately needed the help with our mortgage. We decided it was in our best interest to hire a professional firm to represent our needs. We found out about CDA thru a friend that used their service. What they were able to accomplish for us was a true blessing from above ! They were able to get us out of our 5.5% Interest Only loan and put into a 2.98% fixed rate. This modification cuts our payment from $3,230 to $1,944. They were also able to get us a principal reduction of $214,000. I am fully satisfied with our decision to go with CDA Law Center. Gary McPeak and Suzie Bryant always took time to answer all of our questions and concerns. With the new rate and payment, we are able to stay in our home of 30 years. We owe it all to Gary and Suzie who fought for us from start to finish.
Darwin & Cheryl B
I had friends that had experienced negative results trying on their own to get help with their mortgage
11/6/2012: I was very skeptical and reluctant at the beginning of this process. I’m really glad Gary McPeak was persistent in following up with me. I had friends that had experienced negative results trying on their own to get help with their mortgage. I was also stuck with a long term medical illness that required surgery. I desperately needed the help but was very limited financially and could not afford to throw money at something that might not work. I took the time to read CDA’s reviews and even spoke to previous clients. Taking time to do this was critical for me because my livelihood and home were depending on it. When I received the approval call from Gary McPeak and my negotiator Jacklyne Davis, I could not believe my ears. They were able to lower my interest rate from 6.625% to 2% and lower my payment from $1,964 to $1077. What a relief !! I am extremely grateful for the patience and reassurance the staff at CDA Law Center displayed despite my physical limitations due to my surgery. You can depend on Gary and Jacklyne at CDA for a truly incredible outcome ! I will be referring friends and family that are struggling with their mortgage.
Verta J. of Covelo, CA
Paul Young & Suzie Bryant saved me $2,682 Per Month & saved my home, therefore saving our lives!
11/5/2012: I am a Self-Employed Business Owner for 17 years & me & my wife would like to take this time to thank Suzie Bryant-Grijalva, Paul Young and everyone at CDA Law Center in San Clemente, CA for their hard work and handling of my loan modification. This was a huge mountain to climb and by trusting them and following their instructions to the letter I was able to avoid foreclosure and keep my home. My mortgage company Wells Fargo, and the servicer - American Home Mortgage Servicing (AHMSI) did their best to stall, and even lie to me about modifying my loan. Which by the way, had ballooned to 9.00% interest rate! and a monthly payment of $6,389 for a home that had devalued, according to the Riverside, CA county assessor to $249,000. AHMSI kept telling me to stay current and they would put me in the right program and modify my loan. After catching them in several lies and getting turned down on three different programs at their direction, I decided I was going to walk away from my home which went against my moral fiber. I read about CDA Law Center that at the time had processed 4,500 loan modifications and decided to give them a try. I was glad I did. Though it took 4 months, through no fault of theirs, the end result was incredible!! I now have a loan fixed for 32 years at 2% and my new payment is $3,707 PITI.. which is saving me $2,682 per month!! My house is on a half acre in a gated Private Country Club and is 2 minutes from the back door of the business I have owned for the past 17 years. You can see why I didn’t want to leave. Paul and Suzie made it easy as there were no harassing phone calls and constant communication as to the status of my modification. I highly recommend CDA Law Center to anyone who has hit a block wall when dealing with a bad home loan. They tell it like it is and they get results. We can’t thank them enough. They saved my home, therefore, Paul Suzie & CDA are my life savers. There are no words to explain how thankful we are.” Sincerely , Greg & Paul D. Bermuda Dunes, CA
Greg & Paul D.
I was Extremely Skeptical at first to hire CDA Law Center … Thank you Zach Hansen & Jacklyne Davis for reducing my 140K off my principal balance
11/5/2012: I was two months delinquent on my mortgage payments when I got in touch with CDA Law Center and it took another three months before all the necessary documentation could be submitted to my lender for review. I was extremely skeptical at first to hire CDA to help me and my family. I have heard of companies who required payment first before starting the negotiation process with the lender as I have always been advised to immediately run away from these types of firms. I first spoke with Zach Hansen of CDA Law Center, he had advised that I do my due-diligence on their firm and track record of completed modifications which sounded too good to be true. My back was against the wall, however, having received a NOD in the meantime, and I had little choice but to trust my instincts. I have to say, though, that I had very little hopes of being approved as I had already had one loan modification prior, but CDA Law Center did a very good job of assuaging my doubts. Jacklyne Davis was my Negotiator who took over the file after Zach, she was courteous & professional & always made me feel at ease during this process. Indeed, a little less than a month later, my loan modification was approved. My principal was reduced by $140,000 and my monthly payment reduced by around $650. Words cannot express my great relief and happiness. My heartfelt and sincerest thanks and gratitude goes to Zach Hansen, Lorraine Whitford and Jacklyne Davis, for pulling off such an excellent feat and for being very patient and understanding.”
Antonia & Frank F.
Suzie Bryant and Valentino Adams saved my home
10/31/12: I was going through a divorce and my husband left me and my two children with all my bills and my home. For months I tried to work with the bank on my own but was unable to get any permanent relief.I was always told a different thing even to the point where they sent me papers and told me after 3 months I was going to get a permanent modification .Well that wasn't the case my house went into foreclosure .I called CDA law and spoke with Valentino Adams .I told him my situation and he told me based on the information I gave him they could help me .He was honest and very helpful. He always returned my phone calls right away and was there for me to help me through the beginning process.If it wasn't for his support I would have given up and lost my home .He told me Suzie Bryant would be working with me through the process. Suzie called me right away and informed me what documents were required . She always emailed me or called me and kept me informed on what was going on.She was there for me as if I was a family member.I was ready to give up and Suzie told me she is not a quitter and to please send the 32 pages of documents the bank was requiring .I faxed them to her and she said she would follow up with the bank. Suzie contacted me regularly and when she said she would email she always did. She was there to answer any question for me and most of all gave me the support I needed to move forward. I just remember her telling me she should have an answer for me by Monday and sure enough on may 21 2012 I received a message to call her, She informed me of the good news that I was approved for a modification . It was like a dream come true! I received a principal reduction, my second was forgiven and I will be able to afford my payment and keep my home. If it wasn't for Suzie and CDA Law I would have for sure lost my home .I strongly recommend CDA Law.
Todd Jarrett & Crystal Oropeza really are amazing!!!
10/25/12 I purchased my home about 6 years ago and at first I was able to make my mortgage payments just fine, but then with this economy it became more and more difficult to make the ends meet. Finally I have come to an end of my rope couple of years ago when I realized that if it continues this way I might lose my home, and the thought of it hunted me until I got introduced to Todd Jarrett and eventually his associate/colleague Crystal Oropeza who made it all possible. My home loan modification was approved exactly three months after filing. These two magnificent people made it all possible for me. They worked so hard to make this happen. And from the bottom of my heart I am so thankful to them. I would recommend them to anyone and I referred a friend to them already. Thank you so much Todd and Crystal, you are simply the best!!! Best wishes, Yuliya
Sondra's Hair Salon
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Todd Jarrett and Suzie Bryant-Grijalva at CDA Law Center are great to work with!
10/23/2012: My wife and I would like to express our gratitude to Todd Jarrett, Suzie Bryant-Grijalva, and the other staff at CDA Law Center. They were extremely understanding and professional while helping us obtain our home loan modification. The slowdown in the economy had caused our income to drop drastically, however we still had our large monthly house payment. Because of our lower income I didn’t think it was possible to qualify for a refinance, and the horror stories I had heard about mortgage modifications made that option seem impossible. We were losing sleep worrying how we were going to keep our house. Then I talked to Todd Jarrett at CDA Law Center. He understood our situation, looked at the numbers, and said he thought they could help. Now I am a very skeptical person and I had heard lots of stories about companies that say they can help, but take your money and give you nothing in return. I spent several days checking out CDA Law Center. Everything I read led me to believe they were legitimate. After several more conversations with Todd, I had a very comfortable feeling about him and CDA Law Center. We made the decision to trust them to process our loan modification. This ended up being one of the best decisions we have made. Todd explained exactly how the process worked, who we would be working with, and the approximate timeline. The entire application and approval process went exactly the way he said it would. Lorraine Whitford and Suzie Bryant-Grijalva collected our information and processed our application with our lender while keeping us informed every step of the way. We received our loan modification approval and are now ready to begin our trial payment period. They took my monthly payment down from $4300 to about $3000!! Saving about $1300 per month. And the best part was a 2% Fixed Interest Rate! This is truly a blessing. It is a tremendous relief to have a mortgage payment we can live with. I can not say enough about Todd, Lorraine, Suzie, and the rest of the staff at CDA Law Center. They delivered on their promise.. if you are on the fence, please don’t hesitate to hire these folks as they have changed our families lives. Now we can start planning to host Thanksgiving and Christmas. They have been a pleasure to work with and I will definitely be recommending them to others in need of mortgage relief. Doug & Kathy F****
Doug & Kathy F
Thank you CDA from Hollywood!
10/18/12: I was in an extremely difficult situation financially for the last four years as far as making the ends meet in order to pay my mortgage for my condo. I applied for a home loan modification the first time about 2 years ago with a different company and it didn’t work out for me, I was disappointed and thought I will lose my home until just recently, about 3 months ago when I was introduced to a CDA LAW FIRM’s Todd and his colleague Crystal who made it all possible within 3 month period just as promised. I am ecstatic, I can’t stress enough my gradutude and appreciation to these magnificent, hard working and dedicated people who made it all possible for me. My loan was modified, finally!! From now onwards, I am not going to stop bragging about these folks and will recommend their law firm to as many people as I possibly can because I am so very thankful to them to make it all possible. I really, truly appreciate their efforts from the bottom of my heart. Thank you, Todd and Crystal.
Yulia D. North Hollywood
Loan Modification Success Thank you Gary & Jacklyne !!
10/16/2012: We just wanted others to know what a wonderful experience it was to work with Gary McPeak and Jacklyne Davis at CDA Law Center. We had been trying unsuccessfully for the last 2 years to receive a loan modification. We attempted directly with Indymac Bank with no results and then with Platinum Law Group, which was more disappointment. We gave them over $3000 and really never heard from them again. So, needless to say, we were very skeptical of handing any more money over to anyone. After numerous phone conversations with CDA, they won us over and I am so glad they did. We received our loan modification within weeks! We couldn't be happier and we owe it all to CDA ! They were in constant communication with us every step of the way and walked us through everything. Their response time to your every question is almost immediate. They were able to take us out of our Negative Amortization loan and put us into a 2% fixed rate saving $773 a month. They also got us a principal reduction of $31,548. We would recommend CDA Law Center to anyone going through this very trying experience.
Becky and Randy G.
Thank you VALENTINO and SUZIE!!!!!!
10/10/2012: I was referred to VALENTINO at CDA at the beginning of July and by the beginning of Oct I had my loan mod completed! This was a mod that I had tried to get myself twice over the period of 5 years! Once Valentino ran my numbers and agreed to work with me,.....It was 3 months and DONE! Suzie was my negotiator and between her and Valentino, I received a call within one hour after receiving every fax. They returned every phone call and email with in minutes. They never left me hanging, wondering what was going on. I never had to fax over anything more than once. This was by for the best customer service I have ever received from a business in my life! They explained to me everything that was going to happen, when and how, and spoke to me like I was a human being, not just a number. Not only did they get me a mod that is going to save me $630 per month, more importantly, because of their hard work I will be able to keep my home and live stress-free knowing that I now have a loan that I can afford. I will be recommending them to everyone I know with confidence! Thank you VALENTINO, SUZIE and all at CDA Law Center!!!
28 YEARS IN MY HOME AND GOING.. THANK YOU ZACH HANSEN & CRYSTAL OROPEZA!
10/8/2012: I want to thank Zach Hansen and Crystal Oropeza of CDA Law Firm for their hard work. My husband and I have been in our home for 28 years, my husband had to have surgery and it was tough making ends meet. Zach contacted me and explained the process of a modify on our home loan. July 2012 we started the process with Zach. Crystal called me to introduce herself, she was the one who was handling all the paper work on our modification, she was always available for questions and concerns my husband and I had. September 25, 2012 Crystal called me and told me the good news that we were approved for our modification. Our loan modification was approved in record time – less than 45 days from submission to lender. We are still celebrating. Our payment lowered $470 a month which is $5,640 a year. Our interest rate is now 2%. The best part is now our interest rate is Fixed, no more Variable, so now this gives us stability, and we never have to worry about a ticking-time bomb with the volatility with our economy. Stable now means we can live in our home that we love until we die. You saved our home, therefore, you saved our life… we will now start planning Thanksgiving & Christmas plans to host at our house. Thanks again to Zach and Crystal!
I'm absolutely ecstatic about my mod!
10/5/2012: I was referred to VALENTINO at CDA at the beginning of July and by the beginning of Oct I had my loan mod completed! This was a mod that I had tried to get myself twice over the period of 5 years! Once Valentino ran my numbers and agreed to work with me,.....it was 3 months and DONE! Suzie was my negotiator and between her and Valentino, I received a call within one hour after receiving every fax. They returned every phone call and email with in minutes. They never left me hanging, wondering what was going on. I never had to fax over anything more than once. This was by for the best customer service I have ever received from a business in my life! They explained to me everything that was going to happen, when and how, and spoke to me like I was a human being, not just a number. Not only did they get me a mod that is going to save me $630 per month, more importantly, because of their hard work I will be able to keep my home and live stress-free knowing that I now have a loan that I can afford. I will be recommending them to everyone I know with confidence! Thank you VALENTINO, SUZIE and all at CDA Law Center!!!
Non FHA loan loan mod success.
10/2/2012: I want to thank Ray Ghamsari and Suzie Bryant-Grijalva (negotiator) for successfully modifying our $911,000 non FHA loan that was underwater. After trying for 6mo to do this myself with Chase, I was told we "make too much money" and did not qualify for HAMP. We used all our savings to keep up with the payments and now my husband was on disability. I was really mad about it and I was desperate to find a law firm who could help. When I found CDA, I knew that they were professional and honest by the way Ray helped explain the process to me and handled my paperwork. I hired them in March 2011 and I have my loan modified with a letter from Chase saying my 1st payment will be April 1, 2012. It took about 1 year from start to finish. I told Suzie, who did our negotiating, that I wanted to wait to write the review until I was sure everything worked out. Here are the details : Our loan was $911,000 interest only 5.875% payments $4463/mo with out taxes and insurance. They were unable to reduce the principal, but my loan payments are now $3050. (w/o taxes and interest), 2.375% interest and goes up to 3.875% after 7 years for the life of the loan. This includes principal and interest. This saves me $1400 per month. I was seriously thinking about walking away, but this makes it workable. I recommend them 100%. If you think you are not eligible for a loan mod, call them--you will be surprised that you can do one even if you have a high mortgage and the bank said no to you the first time. Thank you again, Suzie, for your patience and hard work
I AM LIVING PROOF, THANK YOU PAUL YOUNG & CRYSTAL OROPEZA
10/1/2012: I hope that all of you readers out there will read my testimony. For the past 3 years I had been struggling and severely stressed. I got to the point where I didn’t know what to do anymore; my husband lost his job due to the shortage and the economy after being there for a long time. A few months later, I incurred medical hardship due my nervous breakdown. This put me out of work, so at that point; all I had left was to work with Bank of America to see what they could do for us. They sent me a package to modify my loan, I then sent it back but after sending about 5 to 6 packages of information back and forth and not seeing any results things got harder they just seemed to not being able to help me in a anyway, my stress was just so bad that I got to the point where I began praying and asking God for his help to please send me someone that could help me just to be able to keep my children in there home because I didn’t have anywhere else to take them; I would cry my self to sleep without my children knowing what was going on I couldn’t let them know what was going on. I felt empty because I had always taught my children to talk to me not to lie and to not take things that didn’t belong to them, so my life was so confused I just didn’t know what to do. Three years of time wasted with Bank of America and their ‘packages’. All I could say was ‘God’ please help me please! And then the next morning I then received a phone call from a gentleman ‘Mr. Paul Young’. He began talking to me about my situation like he already knew exactly what I needed, I then told him ‘oh God, he must be the ‘Angel’ that God sent to me to help me. After a long conversation, he made me feel comfortable with the process & seemed honest & trustworthy. I actually prayed during Mr. Young’s presentation, and I thought to myself, he is my Angel that God sent. My faith was so strong in Mr. Young that I placed everything in his hands and also in Crystal Oropeza who became my assigned Negotiator for CDA. Crystal again walked me through the process & made me feel at ease during the whole time. She got right back to me when I left messages & emailed her. She was professional & she never once doubted that this would be declined. Apparently she has a point of contact at BofA – and she seems dialed in on the inside of Bank of America About 3 months later, on August 15, 2012, the call came – the day I will never forget. Crystal & Paul called me on a Conference call and said I was APPROVED! After being behind on my loan for 3 Years, they brought my loan current. They took my 8.25% and got me to a 2% interest rate, and took my monthly payment from about $1700 to $1170 – this even included the 3 years delinquent amount. And the best part is they were able to reduce the Principal balance $134,000 lowered! I almost fainted & cried. My Angels went to work and God gave me a new chance in life. I know that without Crystal’s hard work and Mr. Young, I would’ve lost my home. All I can say is believe in them, they got it done. I will never forget, I owe them more than just a ‘thanks’. Mr Young and Crystal Oropeza: my Angels you will always be in my heart forever, thanks !! Thank you again for taking my life in your hands and guiding me thru the right path that took my stress away. Crystal you will always be blessed for your hard work with this hardship we were going through. I thank God for bringing Mr. Young and Crystal into my life, my Angels in my Life. I hope to meet you someday in person. Thanks again CDA Law Center for your outstanding help my family will always have you in our hearts. If you have any questions, I will talk to you about my experience, I am living proof. Telva R., Strathmore, CA
I am a real estate agent, and even I didn't do my own my loan modification!
9/27/2012: My husband and I repeatedly submitted loan modifications to our bank and were turned down every time. Our home was about to be foreclosed on so we reluctantly entered a short sale. Out of desperation I did further research and luckily found CDA Law Center in Orange County. I cannot say enough good things about CDA. It took time, but we finally we received an approved loan modification with a significant lower interest rate and a large forgiveness of our mortgage debt. So if you are in trouble, I sincerely hope you will call CDA. There are good and bad reviews for every company, but please don't listen to the negative reviews. Call CDA and find out for yourself -- before you make any rash decisions like short selling your home or letting it go into foreclosure. I am especially grateful to Valentino Adams for his caring attitude and to Cristine Nicholls, for her underwriting experience - she really knows how to work with the banks; together they were amazing! CDA may be able to help you as they did my family!
Todd Jarrett, Suzie Bryant-Grijalva & CDA Law Center came through for us, even better results than expected!!!
9/26/2012: CDA Law Center really came through for my family and myself. I recently took a 26% paycut and tried to work directly with my lender, the best I could get from them is a whopping $100.00 dollars a month off my mortgage. I was very distraught and had to consider the possibility of losing my home. After my experience with my lender I realized I needed a professional, and that is where Todd, Suzie and CDA lawcenter came in. When I first spoke to them it seemed almost too good to believe and Todd seemed very confident he could help. They achieved better results than we were even targeting. I was amazed when he called and told me my new loan terms and payment. I now realize that for some things in life you have to hire a professional, I don't do surgery or dental work on myself, so I will now add legal assistance to the list of professional services I will gladly pay for......Great Job and Thanks.......
Todd Jarrett and Jacklyne Davis SAVED MY HOME!!!
9/25/2012: How do I begin to say thank you? Thank you for honesty, integrity, peace of mind, knowledge, courage and of course a loan modification that will allow me to stay in the home where I have lived for over 30 years---my home! The words “thank you” seem inadequate! I am the single mother of three beautiful daughters and one thing that I have always taken pride in myself was the fact that I could take care of us! I worked plenty of hours; in fact for the better part of 25 years I have worked 3 jobs simultaneously…sometimes 7 days (usually 6) a week… but I could keep a roof over our heads, food in our stomachs, and send my daughters to college! There was always plenty of work for me until the California economy fell apart and the governor started slashing the budget which funded adult education in 2010. At that point, I had been and Adult Vocational Instructor for 18 years. In the next few months, I watched as entire departments closed (We went from a staff of 400 to 93). Teachers lost their jobs but I felt secure because I worked in vocational training and I had taught for so many years. But then it happened to me, my hours were cut from full time, to part time, to only 6 hour per week…then I was laid off completely. Needless to say, any savings was being used to live on, and I hoped that this was a short term crisis, and my job would return. It did not happen! To make matters worse, my daughter, her husband and two children moved in with me because my daughter’s job abruptly closed and her husband’s job went from full to part time. Now, I was supporting the entire family on my savings. For the next year, we struggled to pay the bills, and it quickly reached the point that I needed help. I read the information from my mortgage company which said people in my situation needed to apply for a loan modification. I did…I filled out the horrendously long application…submitted countless documents, bank statements, income tax returns…all several times…to be told after about 6 months that I did not qualify! I was devastated, my savings was gone, I was unemployed and I had no idea how I was going to make it! I began to read about loan modifications on line and I also spoke to colleagues about their struggles. Two colleagues lost their homes. I was terrified, and I also felt that since I had been turned down by my mortgage company that I was going to lose my home. That’s when Todd Jarrett called. I guess I had responded to an email questionnaire, and he called late in November 2011. I am not sure why, but I felt an instant sense of relief when I spoke with 9/25/2012: Todd. I felt that I could trust him and that he would answer me honestly. This was important to me because I had spoken to so many people and I felt I could never get a straight answer. Todd explained things to me in straightforward terms…..not legalese. If I called, and he was not at his desk, he ALWAYS returned my call (EVEN ON Saturdays). If I received strange documents from my mortgage company, he would review them with me and set my mind at ease. When we moved into the negotiation phase, he introduced me to Jacklyne Davis. She too, the ultimate professional; would ask for the information she needed, explain what she was doing and why she needed what she was asking for, and was always friendly and courteous. My loan modification came through on September 19, 2012. My old payment was $1,876 interest only at 6.5%. My new payment is $1,074 which includes principal, interest, property taxes and property insurance! It actually is a lower payment than Todd originally predicted! And they also reduced my Principal Balance from $309,000 to $257,000! Not only that, the best part is on the Same Day, CHASE – the holder of my 2nd Mortgage complete forgave the whole loan amount I owe of like $150,000!!! I am forever grateful to Todd, Jacklyne and CDA Law Center for helping me save my home
Trust is Finally a Reality
9/20/2012: After receiving my modification approval in the mail I am still in shock. It has been a long road of seeking trust with only receiving denial. Over two years ago I started doing everything I possibly could do to keep my home, spending all of our income towards our mortgage liquidating all of our savings and going as far as selling our retirement stock after my wife had to leave her job due to a health condition not to mention our love of our life our dog "Toby" a golden lab having knee replacement and vet bills compiling. Through tele-a-marking calls that we received we had no choice but to pursue three different companies at three different times that stated they would fullfill a full loan modification and to assure that they would convince us results a new loan modification. Being desperate and not researching these companies we paid them...some of the companies even went as far as to quarantee my money back if a modification was not written. They stated that efforts will continue until a satisfied modification has been written! That was the draw back. Several times I tried to call to get an update and to no avail they could not give me any updates. I knew right then I did not have a credible company that I could trust but they took my money anyway. By now I was in disbelief that my only alternative was to just let the bank foreclose on us and move on. With sleepless nights knowing that we were going to lose our home we could only hope for a miracle......... So one day I was at work and on January 5, 2012, I was in such a deep depression nothing was going to convince me that there was someone out there that wanted to help me with a loan modification and I was so negative towards him. As we spoke on the phone he talked with me and all I could say is negative things like "you can help me" 3 other companies have already taken advantage of me I'm not going to make you 4. Mister Todd Jarrett insisted that I take this as the last hope. With my questions and what ifs...Todd stated to me I'm not going to give up on you and that you have to trust me even though you were unsuccessful with 3 other companies. He continued to call me even though in the back of my mind I was convinced that he cannot do anything for me. After listening to him it started getting my attention when he stated that they will excel the banks in expediting results and would keep you informed of ongoing updates. I'm a perfect example of hearing what everyone can do for me after what I have been through. Once I filled out all the documents and did what they told me as they requested...I continued to do as told. Todd and Cristine walked me through all the steps. At this time I was convinced that CDA Law Center was not just another company but one that can live up to "exactly" what they stated they would do. With this in mind they did not make any promises that they could not keep...with this said everything was professionally expressed in a way that declared honesty. As time went on I would get a request to send docs, I expedited as they wished. Last week I called to make sure that they didn't go out of business like some of the other companies. Todd persistently stated that we are not going to leave you unattended and mentioned that CDA Law Center is not going anywhere trust me! Today 23 July 2012 I received an approved letter from Bank of America that a new Loan Modification has been approved with a principal reduction of $156,581.28 and a reduced fixed mortgage monthly payment that will make it affordable to keep our home. Now if there is anyone out there that is in denial at this time I will tell you that I'm a perfect example that miracles do come true and having faith there is hope. Todd and Cristine made me a believer, please understand that I'm not the sensitive type of person more a shy bully type kind of guy not known to be emotional but after expressing my honest truth of this chapter in my life I am very grateful for what Todd did for me by not giving up on me even when I was so negative and Cristine for her hard aggressive work in negotiating this process. Words can express the happiness that has fallen on my wife and I......................................... Todd and Cristine God Bless you, Thank You!!
Paul & Linda P.
VERY Grateful to CDA especially Justin Dickson & Suzie Bryant
9/19/2012: My husband and I have been trying to modify our home loan with Bank of America ourselves and have been declined 4 times in the past 2 years. Every day was met with foreclosure threats and short sale opportunities within our mailbox. Every night I was awoken in the middle of deep slumber with anxiety attacks. We were at a lost at how to proceed next and what other options were available. Call it fate, chance or coincidence that brought me to CDA Law Center. After speaking with Justin Dickson and hearing that we had a chance of saving our beloved home of 12 years, we decided to take the plunge one more time with modification. Of course like many people, we were skeptical in the beginning and prayed that we had made the right decision to work with CDA Law Center. We started our journey with CDA Law Center in late June and have swiftly expedited all information and documents requested by them. To our surprise, approval for Government modification arrived by mail 2.5 months later. My monthly payment went from $3214 to $2597 saving $617 per month! My rate down to 2% fixed as well from a bad interest only loan! Suzie Bryant and Justin Dickson has remained professional, courteous and more importantly; sensitive to our needs at this very difficult time in our lives. We are grateful to have CDA Law Center on our side and a big “Thank you” to attorney Robert Scurrah for battling the “Big 5” on behalf of a little voice. Sincerely, Ricardo & Vicki C.
CDA LAW CENTER IS THE WAY TO GO!!!
9/18/2012: I would just like to express my gratitude and appreciation to CDA law center (especially Paul Young and Suzie Bryant)for all the hard work they did helping my husband and I with our home mortgage loan modification. My husband and I were in a horrendous loan known as Negative Amortization; many refer to this loan as a ticking time-bomb. We were upside down on our loan and our mortgage payments kept increasing and it got to the point where we found ourselves nearly not being able to make the payments. My husband had been unemployed for over a year and was also laid off 2 times prior. We had depleted our savings trying to keep up with our payments. We were barely making the payments within the grace period and were literally living from paycheck to paycheck. Finally, we came to a standstill; something had to be done we just didn't know what. We were so worried about losing our home. I had heard about the HAMP program, so I tried contacting our bank (Wells Fargo) for help, and of course they told us there was nothing they could do for us because we didn't meet all the terms of qualification for the HAMP modification program. I was watching TV one day and saw a commercial about loan re-modifications and decided to take a risk and call the number. After doing so, I was contacted by Paul of CDA law center. He was very informative and answered all my questions. My husband and were very skeptical about hiring a law firm and paying legal fees (you know with all the scams going on), but we decided to take the plunge and found it to very a good decision and worth every penny. Our monthly payment was $2,240 Principal, Interest, Taxes & Insurance. With the help of Paul and Suzie, our monthly payment went down to $1,555.30 Principal, Interest, Taxes & Insurance. However, that's not even the best part. The BEST part is, my husband and I received a $179,504 Principal Balance Reduction. Our loan amount went from $393,356 to $214,000. When I got the call and Paul told me about the banks decision, I was so overcome with joy. I couldn't wait to tell my husband the good news. A huge burden has been lifted for us and now we are able to breath and have peaceful nights. No more sleepless nights and worrying about how we are going to make our payments. If you find yourself in a situation where you are contemplating whether or not use CDA law center, my advise would be to have the law firm in your corner. My husband and I truly believe that we wouldn't have had results like we got without CDA law center. Did I mention that the loan modification was done through the HAMP program, the same one that Wells Fargo told us we didn't qualify for. Again, let me emphasize that I think it's better having a law firm on your side rather than trying to do your loan modification on your own. CDA law center is the way to go!!!! THANKS CDA LAW CENTER!!! THANKS PAUL AND SUZIE:-)!!!
Thank you very much Dawn Bestafka and Suzie Bryan ( CDA law center)
9/13/2012: I lived in San Jose CA , about a year ago I started do my loan modification by myself and at the begining everything was Ok, until the bank started to call me to let my know that they lost my papers or it wasnt completed ,keep changing diffent people every time I call or did not returned my call, I almost give up my house that I lived for 7 years.One day while I was taking my break one of my co-workers hear about me saying that I need a loan modification or I was going to leave my house is when she went to her office and gave me CDA law center phone number I called right away and I spoke with Dawn Bestafka she inmediately give the confidence that I need, she ask me a bunch of questions and right away told me that they will do everything to saved my house I send all my papers that she needs after that Dawn transfer my case to Suzie Bryan. I cant explain how wonderful and very effective they are , very profesional since day one and always keep me informed about my case. It took about 2 months to finish my case and they gave the news that I was approved for my loan modification. I am so happy and also I want to recommend CDA law center this team of professional are the best. Thank you so much Dawn Bestafka and Suzie Bryan you are the best.
I was Skeptical about hiring CDA because I work for the California DOJ (AG), please read:
9/12/2012: 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!)
Greg A. & Lyn H.
Thank you Dawn Bestafka & Jacklyne Davis!
9/11/2012: Prior to finding CDA we had called Bank of America numerous times over a two year period attempting to get some help. No such luck, always another excuse from the bank as to why we were not qualified. They would send letters telling there was a new program every few months only to give us the run around. They act as if they care and are willing to help, but that is a lie, they are not the homeowners friend, and can not be trusted .Things were financially rough for the past 2-3 years, my wife was temporarily laid off from her over 20 year job, and when was called back had a pay cut. I am self employed and my business has been struggling for quite a while. We were behind on our property tax and struggling every month to make the mortgage payment. To make matters worse, we were in an interest only loan that would be come principle and interest in a couple of years and our payment would go up $894.00. This was adding to an already stressful situation. Then I contacted CDA Law Center and spoke with Dawn Bestafka. She explained how the modification process works, and how the bank typically denies most homeowners. When we were told that we were actually a fit for the modification we were skeptical, and cautious. We read all the reviews, researched the firm, but were still nervous. Dawn was very patient and reassuring, and let us know that our ratios were a fit. We realized we had to do something because it was only a matter of time until we would not be able to make the mortgage payment, or catch up on our property taxes things were rapidly getting out of control. We were falling behind on other obligations just to make the mortgage payment by the end of every month. We did not want to loose the home we had raised our children in. We decided to put our trust in CDA, and we are so happy we did. It was hard to make the decision to fall behind on our mortgage, but it was all worth it in the end. We were assigned an incredible negotiation Jacklyne Davis, she was so professional, experienced, and patient. She walked us through every step, and updated us regularly on the status of our modification. Dawn stayed in touch constantly and calmed us when needed. When we received the modification it was surreal, the payment was now principle interest, taxes and insurance at 2%, we were caught up on back payments and our property tax, and Saving $986.00. We were actually qualified for the HAMP modification. Do not believe everything the bank tells you, or give up when they turn you down. At some point you just have to put your faith in some one and ask for help going up against these banks, we are very fortunate to have found an honest ethical firm. Thank you CDA, Dawn Bestafka, & Jacklyne Davis for helping us keep our home.!! CDA Law Firm is the real deal.
Bertha & Robert L.
9/12/2012: Three and 1/2 years ago, out of desperation, I signed an unreasonable loan modification because after losing the ability to work overtime, I was forced to file for bankruptcy. The modification gave me 3 years to try to dig myself out of my financial dilemma, rebuild my credit and to figure out how I was going to make the substantially large payments after the 3 years were over. In June 2012, that time was here that my mortgage payments increased from $1987 to almost double that amount. As as single mom, there was no way that I would be able to afford that and again faced with the possibility of having to walk away from my home. I researched the web to see what might be available because I had been hearing about all of the making home affordable programs. I gave my name and phone number on a link for information and received a call moments later. It was the answer to a prayer. At first I was skeptical about what I was being told. I also received other phone calls that did not sound as promising. I spoke with Dawn Bestafka who was very knowledgeable, non judgmental, and very comforting. She explained in detail the entire process and what to expected. I then received a phone call a few days later from Lorraine Whitfield, who also was very reassuring and comforting. She received all of my verification on July 26th. She let me know that she had received my verification and that we were on track. She submitted my paperwork to Crystal Oropeza, who submitted it to underwriting. She then emailed me when they were complete on August 17th and told me I would be hearing something soon. On September 7th, I got home to find my modification had been approved and I will begin my trial period first payment 10-1. I am so excited that I have been blessed and fortunate enough to have the opportunity to save my home permanently. No more balloon payments to worry about. The modification is very reasonable and I can again sleep at night. Thank you CDA representatives for helping me persevere. I will forever be grateful.
Facing Foreclosure – CDA Saved my Home
9/10/2012: I was very worried about my mortgage and eventually facing foreclosure if I didn’t take some action. To be honest… I was also nervous about being sucked into a situation that would cost me and not have a positive outcome. My fears kept me from taking action! I heard about CDA Law Center via emails from Zach Hansen regarding customer loans recently modified . With some research on CDA, I read many rave reviews. When I contacted Zach I immediately noticed how professional and honest he was even though I was really scared to take the first step. I realized that doing nothing would cost me my home so I signed with CDA Law Center and it’s the best decision I’ve made in a long time. I worked with Zach Hansen and Jacklyne Davis instantly felt I was working with a caring and professional team. My questions were always promptly answered and I never felt like once signed on I was forgotten. I give the company 5 out of 5 stars!! Sincerely, Cynthia K. of Sunnyvale, CA 94085
CDA LAW CENTER DELIVERED!!
9/10/2012: CDA delivered on their word ! I reached out to CDA because I could not qualify for a refinance. Like many other homeowners, I have lost a ton of equity in my home over the last several years. I’m a BK attorney and my income is very sporadic. Being self employed was another challenge trying to refinance. I reached out to OCWEN several times and they did not seem to care about my dilemma. I got passed around to over 10 different customer service people over a 6 month period of time. I was about to give up when I spoke to Gary McPeak at CDA. He told me he was confident that they could help me. I have to admit I gave him a really hard time because of how frustrated I was with OCWEN. I was also very skeptical that they could get it done. I decided to give CDA a shot because I literally had no other options to get the payment relief we desperately needed. I had several arguments with my wife because of my decision. She was dead set against it and thought it was a scam. Well, I’m glad to say it was definitely not a scam. After 3 months, we received the approval call from Gary McPeak and our negotiator Suzie Bryant. I was in a state of shock as they discussed the new terms of my loan. They were able to lower my payment from $4,754 to $2,095 with a new fixed rate of 2%. They were also able to get me a principal reduction. That is a savings of $2,659 a month. What a miracle ! Telling my wife gave me a great sense of satisfaction that I had made the right choice after all the turmoil and headaches I dealt with. She was shocked and thrilled at the same time. From the bottom of my heart, we both want to thank Gary McPeak and Suzie Bryant for making our dreams come true. As an attorney that could not get it done on my own, I highly recommend them to anybody that needs the help. Sincerely, Oscar & Jocelyn S
Oscar & Jocelyn S.
CDA Law did a wonderful job!
9/10/2012 CDA Law did a wonderful job of helping me get a modification. I had attempted to get my home modified on my own three times with no success. I am very thankful for all their professional help. They helped encourage me during a very difficult time. They kept informed while they were working on my file. I could call any time and they would get right back to me. When I was feeling fearful Ray was reassure me of what was going on. CDA Law will look out for your best interest. I couldn't have made it with out all their help. I am very thankful.
CDA Law Center saved my home and business
9/7/2012 Thank you Todd Jarrett for Providing the professionals in your firm to assist me with my loan modification. Special Thanks to Tyler Bass for negotiating my loan modification. I tried to get my loan modification with B of A on my own for three years, each time I was denied. I highly recommend persons struggling with their home loan to contact CDA Law Center. Tyler helped me thru each process in acquiring my loan modification. For months I was receiving statements saying your house will be auctioned off. Tyler Bass was right there each month negotiating my loan modification with B of A until I was approved. My house note including taxes and insurance is $700 less, my principal was cut in half, I have a fixed rate, no more Interest only loan I do not owe the 8 months past due notes to B of A. CDA earned my trust. Thank you CDA not only did you save my home you saved the home for the 10 elderly people that have been living here for the last 10 years. Thelma W
Thel's Board and Care
Thel's Board and Care
CDA was extremely helpful!
9/7/2012: Thank you to Cristine Nicholls, Ray Arocho and everyone with the CDA Law team for all of your hard work in helping with my home modification. I was struggling with Chase Manhattan for two years, trying to get them to help me modify my home loan. My attempts with Chase were without success and I had to endure very poor customer service through the process. The CDA Law team brought my monthly payments down from $1580 to $1380 and if it wasn’t for CDA Law Team, this would not have been possible. I highly recommend CDA Law Center for others in need of assistance with modifying their home loans, especially those who need Spanish speaking representation. CDA was extremely helpful and made me confident that they would be able to assist me and my family. Thanks again for all of your help! We did it!! Sincerely, Aulio R. C
9/6/2012: For the past 4 years I have been trying to get my loan remodified. I lost $3,000 to a company that went out of business and I tried twice on my own going direct with my lender. When I heard about CDA Law Center I was skeptical given what I had already been through. I researched the company thoroughly and asked to meet at their office so I could be assured this was a viable business. The best decision I ever made!! Not only were they successful in remodifying my loan, they were incredibly wonderful to work with. Believe me when I tell you they are not only exceptionally good at what they do but they are also exceptionally good people.
Very happy with the results!
9/5/2012 My name is Aryl S. and I just finished modifying my loan with Gary McPeak at CDA Law Center. I am 80 years old & I live a very modest life since my husband passed away. I have been barely getting by on a monthly basis with my fixed income. I was very nervous at the beginning of this process. I definitely needed the payment relief, but wanted to make sure I was dealing with a reputable firm. I took time to read their reviews and took the leap of faith. Gary and Crystal were open and honest with me every step of the way. My case was handled with such kindness and professionalism from start to finish. They were never too busy to take my calls. I was a nervous wreck for a couple months, but when I received the message on my machine that I was approved, I broke down in tears. The kind folks at CDA were true angels in my life. They saved me over $1,100 a month when I had nowhere to turn. I am very happy with the results and am happy that I can continue to live in my home that I love dearly.
CDA Saved my Home!
9/5/2012 I want to assure anyone who is considering a mortgage loan modification to consider obtaining help from a legal firm knowledgeable with such matters. I highly recommend CDA LAW CENTER to help any homeowner with this extremely complex and stressful process. Listed below is just a few highlights of my financial situation and what CDA Law Center was able to do for me. - Paul Young and Jacklyne Davis assisted me and worked very hard on my case. I tried working with Seterus & I was denied for the Making homes affordable loan for an unclear reason. I also worked with NACA and didn’t get anywhere with them. I am 65 yrs old, retired, on a fixed income, with major medical issues, and I thought about Short Selling my home. - I had a very high interest rate loan –CDA negotiated 6.375% down to 2.00% Fixed. - My monthly payment went from $1,547.20 Principal & Interest only to $781.78 Principal, Interest, Taxes & Insurance à $957.69 Monthly Savings!! - Jacklyne Davis assisted me with setting up my three (3) trial period payments with Seterus and also helped me with the mandatory credit counseling required by HUD. Again, I cannot thank Paul and Jacklyne enough for their efforts and teamwork required to achieve the financial solution which allows me to remain in my home!
Skeptics Club of Los Angeles
8/28/2012: My name is Paul F____. I would like to thank the good people at CDA Law Firm, especially Gary McPeak who was the case manager of my modification and Cristine Nicholls who was the prime negotiator working with Bank of America. I had tried to do something with the Bank of America for a year and a half without a lawyer and couldn't get to first base. I hired CDA and with a lot of skepticism. They told me for months, that my income and expenses fit into the guidelines for a modification. To be honest, I figured I was going to be kissing the money away and little would come of their efforts. After sending my documents to CDA Law and learning to be patient, I have been rewarded with a modification that saves me around $1000.00 per month. This is going to make a big difference for us and enable my wife and I to stay in our home which we have had for 25 years. I must say again, that if there was a Skeptics Club of Los Angeles, I would be nominated for president of the club. I am very happy that I had the good fortune to speak with Gary McPeak at CDA Law Center and would highly recommend them to other struggling home owners.
The service is 100 % perfect
8/28/2012: After trying so many loan companies to have a mortgage loan modification, we always failed miserably. My sister recommended us to call CDA Law Center where we talked to Justin Dickson. The processes of the modifications were fairly easy. After 3 months or so, we finally received a very good news from them that the loan has been approved. This is to commend CDA Law Center for their professionalism in their services to their clients. Their expertise in loans and mortgage areas are very unique. Their representatives, Justin Dickson and Crystal Oropeza have made our lives a whole lot easier by their very adequate and prompt responses to our inquiries and questions. We are rating this company from 1 to 10 at 10, ten being the best. We will definitely recommend CDA Law Center to our friends and relatives who would need their help and services in the very near future.
Demetrio & Llana S.
CDA LAW CENTER IS THE WAY TO GO!!! PAUL YOUNG AND SUZIE BRYANT ARE AMAZING:-)
8/27/12: I would just like to express my gratitude and appreciation to CDA law center (especially Paul Young and Suzie Bryant)for all the hard work they did helping my husband and I with our home mortgage loan modification. My husband and I were in a horrendous loan known as Negative Amortization; many refer to this loan as a ticking time-bomb. We were upside down on our loan and our mortgage payments kept increasing and it got to the point where we found ourselves nearly not being able to make the payments. My husband had been unemployed for over a year and was also laid off 2 times prior. We had depleted our savings trying to keep up with our payments. We were barely making the payments within the grace period and were literally living from paycheck to paycheck. Finally, we came to a standstill; something had to be done we just didn't know what. We were so worried about losing our home. I had heard about the HAMP program, so I tried contacting our bank (Wells Fargo) for help, and of course they told us there was nothing they could do for us because we didn't meet all the terms of qualification for the HAMP modification program. I was watching TV one day and saw a commercial about loan re-modifications and decided to take a risk and call the number. After doing so, I was contacted by Paul of CDA law center. He was very informative and answered all my questions. My husband and were very skeptical about hiring a law firm and paying legal fees (you know with all the scams going on), but we decided to take the plunge and found it to very a good decision and worth every penny. Our monthly payment was $2,240 Principal, Interest, Taxes & Insurance. With the help of Paul and Suzie, our monthly payment went down to $1,555.30 Principal, Interest, Taxes & Insurance. However, that's not even the best part. The BEST part is, my husband and I received a $179,504 Principal Balance Reduction. Our loan amount went from $393,356 to $214,000. When I got the call and Paul told me about the banks decision, I was so overcome with joy. I couldn't wait to tell my husband the good news. A huge burden has been lifted for us and now we are able to breath and have peaceful nights. No more sleepless nights and worrying about how we are going to make our payments. If you find yourself in a situation where you are contemplating whether or not use CDA law center, my advise would be to have the law firm in your corner. My husband and I truly believe that we wouldn't have had results like we got without CDA law center. Did I mention that the loan modification was done through the HAMP program, the same one that Wells Fargo told us we didn't qualify for. Again, let me emphasize that I think it's better having a law firm on your side rather than trying to do your loan modification on your own. CDA law center is the way to go!!!! THANKS CDA LAW CENTER!!! THANKS PAUL AND SUZIE:-)!!!
Wayne & Regenia C.
8/27/2012: It is with pleasure that I write this review for CDA Law Center. CDA successfully negotiated a loan modification with my lender that resulted in a monthly reduction from $3,217.96 to 2,686.22. I was at the end of my rope: upside down on the loan; reduction in pay due because of economic cut backs; couldn't get my lender to refinance my 6.125% loan; and absolutely at the end of my rope looking at a hopeless situation. That's when I found CDA Law Center. Paul Young, Senior Case Manager assured me that CDA could negotiate a modification with my lender that would reduce my payment, get me a lower rate, and brighten my financial future. Paul Young along with the CDA team of Jacklyne Davis, Senior Negotiator, did what was promised. They were never more than a phone call or email away. They kept me informed throughout the entire process. They answered all my questions and reassured all my fears. Paul and Jacklyne took all my phone calls--even those filled with concerns and apprehensions. They were always professional, proficient, and knowledgeable. Working as a well organized team, Paul Young and Jacklyne Davis submitted and negotiated my case to the lender in a timely manner with professional expertise and focused determination. They successfully negotiated a loan modification for me with my lender that resulted in a monthly reduction from $3,217.96 to $2686.22 principal, interest, taxes and insurance. I could not have done that alone. Thank you Paul, Jacklyn and CDA. Thank you for being there for people like me. Thank you for treating me like a person and not just a loan number. I'll tell everyone I know, who need help getting a home loan modification, that CDA is the place to go and Paul Young, Senior Case Manager, and Jacklyne Davis, Senior Negotiator, is the team to work with. Sincerely Bettye J.
LETTER OF APPRECIATION
8/24/2012: To whom it may concern: I Alicia C. I wish to thank Mr. Arocho & Jaclyn Davis who work for CDA law Center. Let me tell you why I want to thank these people. I am a real estate agent, and I personally know a lot about modification, but unfortunately sometimes people come to me for help with modifying their home, when it is possible I do help them, but not to long ago a couple came to me and asked if I could help them with a modification, and I told them, that I could not guarantee the modification, but that I could refer them to CDA Law Center, and that maybe they could get them that guaranteed modification. At first they were skeptic, because like a lot of us, we are afraid of getting scammed, still they and I decided to go forward, that was the best decision they and I could have made, because not only did they modify their payment, but also the interest, and the principal. Check this out; the Felix family had a mortgage payment of $ 1200.00 with ins. and taxes, now new mortgage payment $298 a month with ins. and taxes. This made me a believer. If I would have not seen it with my own eyes, I probably would not have believed it. This is why I strongly recommend CDA LAW CENTER, Ray Arocho, and his staff.
Best decisions we have ever made.
8/23/2012: My wife and I were a year behind on our mortgage payments, going through bankruptcy, personal and with our business. We were financially frustrated to say the least. We had been told lies and 1/2 truths for close to a year by our lender ASC and we really didn't know who or what to believe. My wife made the first call to CDA and spoke to Gary McPeak at length about the process and paper work required to get the modification done. She then explained the conversation to me and my first impression was too good to be true. So I called Gary McPeak myself and kept him on the phone for close to an hour. He was very professional and knowledgeable about the process. To be honest, I was still skeptical at that point. I read their reviews and even spoke to recent clients. That made me feel a lot more comfortable that they could help us. At that point, it was time to take the leap of faith. Our options were very limited and their reviews were really good. I liked the fact that Gary McPeak showed me proof in regards to recent modifications with my own lender. Both Gary McPeak and Cristine Nicholls have lessons in calming people down and getting them on the right track. When we were not nice, they assured us that the approval was near. In the end, it was all worth it. They were able to lower our interest rate from 6% to 3.875% while lowering our payment from $3,617 to $2,432. What a life saver ! To those of you on the fence, this was one of the best decisions we have ever made. We now can stay in our home that we dearly love and start putting money aside for our retirement. To those on the fence, you can only move forward or backward, this was our last try and yes we did move forward and are very happy with CDA. Thanks again Gary & Cristine !
Daniel & Sherry Z.
CDA Law Firm came through when I was ready to give up!!
8/20/2012: Thank you CDA and especially Justin Dickson and Jacklyne Davis for all your help and understanding during our modification process. My husband and I were ready to give up our home to foreclosure after many attempts to modify and trying to work with Chase Bank unsuccessfully. The stress we had been through for the past three years is hard to describe but after being referred to CDA and contracting them to take over the process gave me such a relief and confidence that I can't thank them enough. I would recommend them to anyone in the same or similar situation. We can now say that we will stay in our home and that.... is priceless! Million Thanks CDA! Juan Silvia S. of Napa, CA 94558
CDA did a fabulous job
8/17/2013: CDA did a fabulous job on our loan modification. As a nationally known consumer advocate, I was very concerned about the process and CDA really fought for the best results we could hope for in the short run. I strongly recommend anyone who is considering default or nearing Foreclosure to give CDA a try. They are honest, hardworking and relentless in their pursuit of a good loan modification for all their clients.” Kate Hanni, Executive Director FlyersRights.org and Real Estate Broker at Kate Hanni Real Estate!
8/17/2012: CDA Law did a great job for us. It took longer than I thought it should but things seem to be moving along. The contacts we had were very nice & polite, always returning our calls. Most helpful was Cyrstal Oropeza. Our thanks again Jerry & Alice w.
Jerry & Alice W.
CDA Law Center success story
8/17/2012 My husband and I are pleased to reassure anyone considering CDA Law Center for their loan modification that this company is legitimate. CDA Law was recommended to us by a reputable local Modesto attorney, which gave us the confidence to use their services. CDA Law did everything they said they would, even going so far as to send a "received message" e-mail with a prompt follow-up whenever we contacted them. Crystal Oropeza successfully negotiated an excellent loan modification for us, and we were very fortunate that the entire process only took a few months from the time we first contacted CDA Law! We just made the first payment on our new loan and already we are feeling a huge weight lifted off of our shoulders.
Great people to help you
I was ready to lose my house, when i discover CDA Law Center, i gave them a call to take a chance on saving my home, i talked to a guy name Valentino, who was nice and very polite, he helped me when no one could, he also referred me to a young lady name Crystal. She is a real sweet heart, she worked really hard in getting my modification done, it took along time but it got done, my payment dropped tremendously, I am so happy with my new payment, i highly recommend anyone who is in a financial bind on their mortgage to contact CDA Law Center. Thank You all for everything u have done for me. I highly recommend this company.
KEvin & Patricia D.
THANK YOU CRYSTAL & VALENTINO AND EVERYONE AT CDA LAW CENTER!
8/16/2012 What a difference CDA made! I was at my whit's end, ready to give up when my husband came home with a number for CDA Law Center. After losing all of our savings from previous attorneys and trying with the so called non-profit organizations like HUD and NACA, (just look at their success rate) we were very hesitant about hiring another law firm and very doubtful that anyone could help us. I reluctantly called CDA and spoke to Valentino. He went over our financial situation in depth while explaining to me that they did not accept anyone as a client unless they were confident there was a good possibility for a loan modification. Again, reluctantly, I agreed to the contract. Shortly, I was contacted by Crystal **, the negotiator who handled the modification. We stayed in constant contact with each other and she informed me of everything that was happening as I was going through the process. And then it came, the answer that we had longed for, the modification agreement! How elated we were! Valentino and Crystal immediately contacted me and congratulated me on the modification. We could not have done this without CDA Law Center. Even the case manager from Bank of America told me how Crystal and CDA had worked very hard for me to get this modification which included and large principal reduction. And that we could never had gotten this modification on our own. This was an enormous savings for our family. Thank you so much Crystal and Valentino for all your help. You guys are great!
Ronald Epperson recommends CDA LAW!!
8/14/2012: I would like to thank CDA Law Center for all the effort and hard work they performed to get me a Home Loan Modification. Ray Ghamsari and Cristine Nicholls and their whole team did a marvelous job. I was a little leery at first when I first came in contact with the firm, but after talking with them my confidence grew and now I’m really glad I stuck with them. I followed all of their instructions and I must say it paid off and was well worth the wait. I have never before tried getting a loan modification on my own. I have friends that have tried on their own and they were unsuccessful for whatever reasons. CDA handled all paper work, foot traffic, phone contacts, bargaining and negotiations. There were hurdles I know now that I could not possibly have made over on my own. I must admit there were a few times when I had to dig into my records for documentation that CDA wanted me to mail or fax to them, and it was nerve racking. I had a lot of questions for them and there were times when I thought I was getting on their nerves, but Ray helped me to hang in there. Yeah that’s right, I said Ray instead of Mr. Ghamsari because we’re on a first name basis. And Cristine Nicholls helped me to understand things also. She was my negotiator and she fine tuned everything. Wells Fargo was calling me everyday sometimes two or three times a day. And letters, oh my God my mailbox was full every week with letters and threats. I referred everything to CDA and they handled it. I had to resubmit documentation several times because the bank lost my paperwork and it was a complete runaround. I could not have done it by myself and I felt confident knowing I had a good strong legal team representing me. I must say that I’ve learned a lot going through this process. I did everything CDA advised me to do and things went along smoothly. When I first came on board with CDA we reviewed all my finances and everything they promised me they got for me. Before I started this process, my interest rate was 5.875% but now I have a lower monthly mortgage payment, with a 2% HAMP interest rate, a 30-year fixed with principle, interest, taxes and insurance included. CDA-Law Center saved me almost $600.00 a month. It took about 1 year before I was approved. A whole year of getting the run around, resubmitting papers I had already submitted, and the threatening letters I constantly received. There are other CDA team members who helped out that were courteous and prompt that I came to know briefly, but I’m most familiar with Ray Ghamsari, Cristine Nicholls, and Ryan Jacobs. I highly recommend anyone needing a home loan modification to contact CDA Law Center. They will do their best to help you!!!
Ronald W. E.
This has been a long time in coming, but words cannot express how grateful I am to CDA Law Center. From the beginning CDA was always leading the way to a better outcome for me; I was always in communication with their representatives. They were remarkable in dealing with my situation and obtaining my loan modification. I had tried for two years to work with my financial institution for a modification, but to no avail. It was the best day of my life, when I contacted CDA Law. Within less than 15 minutes, Jarrett called and I felt a major relief. He had taken the heavy burden from my shoulders and gave me a sense of calm. The two main contacts, Crystal and Jarrett were fabulous! Crystal was monumental in her perseverance to push my financial institution to modify. Even when Crystal had a leave of absence, she continued to keep in contact with me; I knew I was in good hands. Jarrett was awesome in assuring me that all was going to turn out on a positive note. I certainly could not have gotten this modification without them. I definitely would recommend CDA Law! Thank you.
CDA saved our home!
We faced cancer, bankruptcy, loss of our first home, mounting medical bills, pay cuts, job loss, and a house that had lost 60% of its value in just 5 years. We were locked in at 6.5% with an interest only payment we could no longer afford which would be jumping $800 each month in just a few years. We were feeling hopeless. We had heard from friends and family about loan modifications and the horror stories of banks losing paperwork and not returning phone calls. Then we found CDA law firm through a review posted online. From the very first phone call we were treated with respect and everything explained thoroughly. We received excellent guidance through the process and phone calls were returned promptly. Ryan and Paul kept us on track making sure our application file was complete and literally handled everything. Our friends were so surprised to hear that we had a modification offer after just a short time (they started their process months before us). We were offered a 2% interest modification which would cap at 4% for the life of the loan, saving nearly $900 each month. We made our new payment for 3 months and then received our final modification offer. It was even better than we could have imagined, a life changing offer. A principal reduction of $178,000 (40%) of the principal balance over 3 years time. An interest rate of 4.5%. Now we can actually plan for a retirement someday...but first we get to raise our children here at home.
TRUE EXPERTS---CDA LAW CENTER
To whom it may concern: A couple of months ago my friends Mario & Maria Felix came to me, my name is Patricia Delgado, and they mentioned that they wanted to try a modification, and they were skeptic about trusting CDA Law Center, because a lot of us are scared to be cheated out of our money, because of all the scams that we here,I always assist my friends in making decisions about their house, and I told them 'lets try them, and hope for the best,and that was the best decision we could of made, because they made us believers. They got the modification for my friends at a reduced principal, reduced mortgage,and a reduced interest. This was thanks to RAY AROCHO, and JACKLYN DAVIS who were the negotiators on this file. These two people work for CDA Law Center. I highly recommend this company to all you people out there.
EVERYTHING THEY SAID THEY WOULD DO
As a business owner, I was faced with a declining business and a rising mortgage that was becoming impossible to pay my Bank Of America loan. After researching Companies specializing in Loan Modifications, I selected CDA Law Center. Cristine Nicholls and Ray Ghamsari were exceptional in leading me through each step of the process. Having attempted this on my own, it was welcome to have professionals doing the communicating. Initially I was not behind in my payments and was quite anxious when I was unable to make payments do to financial challenges. I was saved from two sell dates to sell my home. I did receive the loan modification and it was within 28 cents of what they had anticipated, $975. less per month than my former mortgage. Communication was consistent, and necessary with several anxious moments receiving phone calls and mail that was less than encouraging. Congratulations to CDA Law Center for accomplishing exactly what and how they set about to accomplish it. THANK YOU!!
CDA law firm has come to my rescue after trying almost a year and didn't get anywhere, run-around and declined 3x time as a matter of fact I was denied a week before I called CDA Law firm. Paul Young and Cristy Nicholls really work very hard on my case, After denied so much time I was very nervous,skeptical, sleepless nights and stressed out. With less than $2000.00 in the bank and rental property problems, with a bad 5/1 ARM Interest only due to reset this year. Now my interest rate went from 5.50% to 2.00% fixed & a savings about $656.43 per month, old payment $1607.59 new payment $951.16 PITI. Its a wonderful feelings now to have a peace of mind. Thanks so much to CDA LAW FIRM.
VERY HAPPY WITH THE OUTCOME!!!
I contacted CDA Law regarding a modification on my loan, after I tried to work with Wells Fargo by myself, which was not getting anywhere. I must say I was a little skeptical when I first started working with CDA, and it was a very long process. Gary McPeak really helped me to relax. I worked with a few different people with the firm, as it went through its process. I am very happy to say that Suzi-Bryant Grijalv, helped pull me through to the end result, which was bring my 6 3/4% interest rate down to a 2% interest rate 30 yr. fixed!!! This is approx. $800.00 savings a month! I cant thank them enough!
CDA Law Center Modifies another loan at 2% fix for 30 years!
I have known Ray Arocho for over 7 years and he has been talking to me about modifying our loan for over 2 years. I am a skeptical at its worse and even though he is a friend, I had checked the company and I knew they are reputable, I held back all this time, meantime I referred two good friends who needed help modifying their loans. After seeing the amazing results, I am talking 2% fix rate loans for the remainder time on the mortgage, not to mention a principal reduction of $89,000, I was very impressed and wished had acted at the same time my friends did feeling as if I had missed the boat...The great news is that our loan was recently approved at the same rate my friends got, the process was smooth and it only took 3 months. I am very grateful to have the best terms I could have ever had, saving thousands of dollars in interest. I highly recommend Ray Arocho and CDA Law Center to anyone having to modify their loan.
5 star review from Shannon Shearan
To whom it may concern, I give CDA Law center 5 stars and more if I could. They have been amazing and could not ask for a better experience. I am very grateful to all of the staff, but would like extend our gratitude to Suzie Bryant-Grijalva who has been there holding our hand every step of the way. Suzie gave us her full attention and made us feel like we were her only clients. I would like to give her, her own 5 stars. Thank you so much! Shannon shearan
CDA Law Center Saved My House!!!
I was at the end of my rope. I had tried 4 loan modifications with Chase. Every one was turned down. I had not made a payment in almost 3 years and had 97,000 in delinquent fees. I had given up!!! I am 63 years old and in the construction industry. I own my own small business. I was on my computer looking for a rental house...When I looked up "Loan Modification Help". CDA Law Center website came up. I e-mailed them and within 5 minutes my phone rang. It was Gary McPeak. I told him my very long story and he immediately said that he could help. He called me back the next day after researching my house. The rest is history. They saved my house! I am so thankful that I found CDA Law Center.My payment was $2,702.00 PITI and is now $1,971.00 PITI. They were able to lower my interest rate from 6.375% to a 2% fixed rate. This Company is NO JOKE!!!They are very professional from beginning to end. I can not thank CDA Law Center enough. Thank You Gary McPeak, Kathy Terbeck and Jacklyne Davis.
CDA LAW CENTER HELPED ME KEEP MY HOME!
I AM A RETIRED DETECTIVE LT. AND A JUST RETIRED LOS ANGELES COUNTY DEPUTY PROBATION OFFICER. TWO YEARS AGO I HAD AN EXTREAM HEART ATTACK WHICH RESULTED IN A HEART TRANSPLANT, AS A RESULT I WAS DISABLED. I HAD TRIED TO WORK WITH MY MORGAGE COMPANY MYSELF AND ANOTHER LOCAL COMPANY FOR MORE THAN A YEAR AND WAS UNSUCCESSFUL, ON BOTH COUNTS IN OBTAINING A MORGAGE REDUCTION. CDA LAW CENTER AND IN PATICULAR GARY McPEAK AND JACKLYN DAVIS WERE EXCEPTIONAL. THEY HELPTED ME OBTAIN A MODIFICATION AND CHANGED MY MORGAGE FROM $1740.00 TO 1441.OO PITI AND INTEREST RATE FROM 5.375% TO 2.0% FIXED FOR 5 YEARS. THE END RESULT IS I GET TO KEEP LIVING IN MY HOME OF 19 YEARS. I AM VERY HAPPY WITH THE SERVICE PROVIDED BY CDA LAW CENTER AND WOULD NOT HESITATE TO RECOMEND THEM TO ANYONE WHO FINDS THEMSELVES IN A LIKE SITUTATION.
Daughter's Illinois Home
Several years ago, due to his daughter & son-in-law's bad credit, my husband had to sign on their home loan as sole owner, but with them making the payments. His now divorced daughter has had to miss several payments, and the house became "under water." My husband spent about a year trying to get refinancing and/or a loan modification, but he was always declined. Then about a year ago CDA contacted him. Although what they had to say sounded good, we were very skeptical, especially after hearing they wanted payment up front. Out of desperation, we decided to try them anyhow. We are so very glad we did! It took much longer then usual because the house is in Illinois (with their strict laws & additional red tape,) the house was listed as my husband's second home instead of primary residence, etc. Just last week CDA was finally able to get a loan modification on the house and his daughter will now be able to manage the payments. The house just barely escaped foreclosure! We are very grateful to Crystal Oropeza, Bill Baskin, and any other CAD staff that may have helped. Crystal, especially, was very nice, professional, and extremely helpful! We really appreciate her help!
CDA came through for us 100%
We were thirty-six (36) months behind on our mortgage payments and CDA Law Center and Suzie Bryant still got us a very favorable loan modification. We had already made two loan modifications attempts on our own. Despite me being in the real estate industry both attempts failed miserably. My wife and I were at the end of our ropes and very close to foreclosure. Then we heard Ron Hall interviewed on the radio. He talked about their incredible success record of 95%. We did not believe they were for real before we called and talked with Ron ourselves, but now we are believers! As they say "seeing is believing", and what we see is a letter from a major national bank saying we have qualified for a loan modification at a 2% interest rate. During the modification process Suzie was able to have foreclosure dates cancelled and then extended twice (once when we were about 5 days away from losing our home). We found CDA to be 100% trustworthy. Their services are easily worth more than their fees. Base on our experience with CDA we highly recommend them to struggling homeowners everywhere. I am sure they would be the first to tell you that they cannot help everybody, but 95 out of 100 is a record to be proud of. CDA Law Center didn't just save our house, they saved our home. Thank you Suzie and Ron! Note: In July 2012 they moved from Mission Viejo to new and bigger offices in San Clemente, CA, as they said: "the bigger our offices the more people we can help".
CDA Delivers another 2% Interest HAMP loan
Last year in 2011 I tried to work with Provident Funding Bank to renegotiate my loan to a lower payment. That was totally unsuccessful and took up a lot of my spare time. Sometime in March 2012 my wife came across CDA Law firm. She did some research on their track history closing HAMP loans, checked with BBB, then made contact with Gary at CDA through email. It took Gary several weeks of persistent call backs before I finally said "yes, let's get this going." After several weeks of locating financial records the case was sent to Jackalyn Davis, Senior Negotiator at CDA. There were several property address issues to overcome, because I had my PG&E bill sent my UPS store address mail box and not the house address. That took over 30 days to finally get a statement from PG%E showing the house address. Once everything was satisfied Jackalyn could work with the Loss Medigator at Provident. This does take time to complete. While I never met Jackalyn personally I can tell you that she obviously knows what to do when dealing with these lenders. We were on pins and needles many times. Occasionally, I thought it might all be lost. Jackalyn always was positive through the entire process. Finally, a letter came in from Provident with the new deal on the mortgage. It decreased from $2460 to $1730 per month at 2 % interest rate. Before, I had to come up with $2800 a month to cover the mortgage, taxes and insurance. Now it is $2160 for everything. What a huge load off my shoulders every month. Even though I make descent money on my job it never was enough to pay all that plus my other debt expenses. This gives me the chance to not just save my house but pay off credit debt cards in 24 months. Thank you, Jackalyn and Gary for sticking this out with me. It is worth the CDA fee to have professionals like these two successfully negotiate with lenders who "hard ball" you on your own, then take your house. Do the best thing if you want to save your house, and get at HAMP 2% loan, call CDA Law Firm. Thank you John Cicero Concord, CA
These guys are the real deal!!!! I received a principle reduction of $132K on a $350K loan with a 3.35% fixed
Ever since 2008 hit we (like a lot of people) had a hard time meeting our financial obligations; we struggled to pay our mortgage... We received a lot of things in the mail stating "We can help reduce your mortgage" and well, to tell you that truth I just did not believe them or trust them... I thought it was just a huge scam (and there are the stories out there that prove it). Then a few months back, my wife had a friend (also a business owner) who had used CDA Law Center to renegotiate the terms of their mortgage, and they had come through for them. So after talking about it for awhile we decided to call them; I have to say I was very nervous about giving them money up front... especially when they said "even if you are not approved you will still have to pay"..... we asked a lot of questions, and they asked a lot of questions. Originally we were working with Todd... he was very personable and very knowledgeable and he answered all of our questions (he even sent us a copy of the modification he had done on his home). Being a business owner (www.norcalindustrial.com & Norcal Industrial Laundry Systems 8 + years) I was particularly concerned about the paperwork necessary to submit to the bank... I had heard that I could submit the paperwork myself; however I needed to make sure that everything was correct and in order. I did not want to keep submitting and resubmitting the paperwork.... the whole process took about 6-7 months.... Crystal was the person who we worked with during this time and she was great as well; keeping us updated on the progress and helping with the details. During this time the bank had sent us notices informing us that our modification was under review (the review took about 2-3 months in itself). Finally a few days a go we received a package from the bank stating that we were approved for the modification! A principle reduction of $132K on an original mortgage amount of: $350K and a 3.35% fixed rate loan and payments that were almost cut in half. Everything thing that CDA Law said was going to happen happened. I told them them right up front that "I am either going to be your best advertising if this works... or your worse if I get ripped off" (I did not view a denial from the bank as being ripped off however). So now I start conversations with people about this loan modification (that's no lie). These guys know their stuff; if when you call them you give them accurate information about what's going on with your situation they will be able to give you a pretty good idea whether you will or will not qualify. I give them my highest recommendation. It is truly refreshing to find a company in this day and age that does what it says it's going to do.
Trust is Finally a Reality
Todd and Cristine, After receiving my modification approval in the mail I am still in shock. It has been a long road of seeking trust with only receiving denial. Over two years ago I started doing everything I possibly could do to keep my home, spending all of our income towards our mortgage liquidating all of our savings and going as far as selling our retirement stock after my wife had to leave her job due to a health condition not to mention our love of our life our dog "Toby" a golden lab having knee replacement and vet bills compiling. Through tele-a-marking calls that we received we had no choice but to pursue three different companies at three different times that stated they would fullfill a full loan modification and to assure that they would convince us results a new loan modification. Being desperate and not researching these companies we paid them...some of the companies even went as far as to quarantee my money back if a modification was not written. They stated that efforts will continue until a satsified modification has been written! That was the draw back. Several times I tried to call to get an update and to no avail they could not give me any updates. I knew right then I did not have a crediable company that I could trust but they took my money anyway. By now I was in disbelief that my only alternative was to just let the bank foreclose on us and move on. With sleepless nights knowing that we were going to lose our home we could only hope for a miracle......... So one day I was at work and on January 5, 2012 mid morning I received a call by another Tele-a-marketer. At this time I was in such a deep depression nothing was going to convince me that there was someone out there that wanted to help me with a loan modification and I was so negative towards him. As we spoke on the phone he talked with me and all I could say is negative things like "you can help me" 3 other companies have already taken advantage of me I'm not going to make you 4. Mister Todd Jarrett insisted that I take this as the last hope. With my questions and what ifs...Todd stated to me I'm not going to give up on you and that you have to trust me even though you were unsuccessful with 3 other companies. He continued to call me even though in the back of my mind I was convinced that he cannot do anything for me. After listening to him it started getting my attention when he stated that they will excel the banks in expediting results and would keep you informed of ongoing updates. I'm a perfect example of hearing what everyone can do for me after what I have been through. Once I filled out all the documents and did what they told me as they requested...I continued to do as told. Todd and Cristine walked me through all the steps. At this time I was convinced that CDA Law Center was not just another company but one that can live up to "exactly" what they stated they would do. With this in mind they did not make any promises that they could not keep...with this said everything was professionally expressed in a way that declared honesty. As time went on I would get a request to send docs, I expedited as they wished. Last week I called to make sure that they didn't go out of business like some of the other companies. Todd persistenly stated that we are not going to leave you unattended and mentioned that CDA Law Center is not going anywhere trust me! Today 23 July 2012 I received an approved letter from Bank of America that a new Loan Modification has been approved with a principal reduction of $156,581.28 and a reduced fixed mortgage monthly payment that will make it affortable to keep our home. Now if there is anyone out there that is in denial at this time I will tell you that I'm a perfect example that miracles do come true and having faith there is hope. Todd and Cristine made me a believer, please understand that I'm not the sensitive type of person more a shy bully type kind of guy not known to be emotional but after expressing my honest truth of this chapter in my life I am very greatful for what Todd did for me by not giving up on me even when I was so negative and Cristine for her hard aggressive work in negotiating this process. Words can express the happiness that has fallen on my wife and I......................................... Todd and Cristine God Bless you, Thank You!!
CDA LAW CENTER
They have a whole team working with me and helping me through this stressful process and were on top of things. I was in frequent contact with their senior consultant who is very respectful and organize. They got back to me in a timely manner and didn't leave me hanging. My questions were answered. They kept me inform on my progress and let me know what phase I was at. CDA started working with me in October 2011 and I got my loan modification trial period approval in June 2012. According to others that I have heard from, trying to get loan modifications can take years and still not get approve. Hooray to their negotiator(s) and the whole team. So I say that is really good. Thanks CDA Law Center.
CDA Law Center came through for us!
I can't say enough about the helpful, responsive, and professional assistance we got from Zach Hansen, Cristine Nicholls, and Lorraine Whitman throughout our loan modification process. I had hoped I'd vetted the company as well as I could, I followed up with the several references Zach provided, but, still, we were worried and stressed throughout. However, CDA requested material, I provided what they needed, and they presented a complete package to Chase and within practically days, we were approved for a significant loan modification that cut our monthly mortgage payments practically in half. My husband was especially worried and wanted me to pull the plug on the whole process, but the CDA professionals also took time to speak with him and helped him become more comfortable with the process. We have made our first trial payment, two more to go, and then our loan is permanently modified. This makes a huge difference in our lives. Thanks to the CDA folks, we went from worrying about making mortgage payments to having a new modified loan that we can easily manage. Poof, money worries be gone! I wholeheartedly recommend CDA Law Center to anyone attempting a loan modification. The process is neither trivial nor uncomplicated, but if you stick with it and work with Zach, Cristine, or Lorraine, it will feel like a miracle. Thank you to all the CDA folks.
CDA success is due to great professionals. Thank you Suzie Bryant Grijalva!
Choosing a law firm to assist you in obtaining a Home Loan Modification was one of my better decisions. I researched the firm extensively, ran the agreement by my own friend/attorney and embarked on the quest to reduce my mortgage. One of those who "did everything right" - perfect credit, $150,000 down payment, never missed a payment in my life. Then came cancer on top of being unemployed. I was exhausting my financial and physical resources. With CDA I followed all the rules, submitted what seemed like redundant requests for paperwork and did a lot of waiting. Patience and waiting is not my style as I am pro-active. After the initial 3 month period I waited some more. As time passed I became more anxious that all was for naught. Mean letters, phone calls persisted and attempts to return phone calls from the lender were of no avail. Along came Suzie! We did not get off to a great start as I was antagonistic and scared and demanding. We both took deep breaths and moved past that to partner in getting the job done. In the ensuing weeks and months we developed a friendship that I will always cherish. Suzie keeps her word. She follows up, returns calls and -mails and comforts you with a personal insight on this process. She also lets you know when to back off and let her do her job. This lady has an almost overwhelming work load and knows how to prioritize. When you are going through this process it can be "all about me". With Suzie, it became an "us" project. Suzie always had my back covered. Sometimes in the evening as I was gardening, or taking care of the concerns of the day I would sit down for a bit and chase the fears away by thinking "Let Go, Let God" and Let Go, Let Suzie". I admire and respect her more than she knows.
CDA Law Center Rules!
CDA Law prevented me from making a mistake which would have been difficult to overcome. "I" had convinced myself of my options regarding the status of my home. Either hope for the real estate good ole days of double digit home value growth, short sell or walk away. My particular situation was tricky because my house was underwater, my ARM was increasing but my income is just enough that I could make the payments. My false sense of financial buoyancy kept me from taking proactive steps to truly solidify my position. Let's Fast forward to the day a CDA Law Center staffer called me. Taking that call resulted in an outcome that I could have never obtained without their assistance. They expertly guided me through the process of modifying my loan. Which was something I thought I'd never qualify for because of my income. In fact the CDA Law Center team used this to my advantage. The team was honest with me and upfront and I respected that. There was no hard sell, they gave me options and let me decide to engage with them or not. Today I have a clear path to maintaining my home ownership and it's value. It wasn't easy, but it was a flawlessly executed plan. Every goal and milestone was met by the CDA team. They asked a lot of me but the result was well worth the effort. With confidence I can say that my outlay was trivial compared to the energy the CDA team expended on my behalf. To use a sports analogy, CDA Law Center's performance in my case was akin to watching a 5 hole hockey goal from center ice, a last second fade away 3 pointer, a chip shot to save par from the sand trap to win a Major. It looks easy to an outsider but the hours of preparation, practice and planning are what separate them from the rest of us. In the loan modification world CDA Law Center is a well trained athlete and their involvement in my success is proof of their talent. Run the sportscenter highlight reel...
CDA Law Center Is A Firm You Can Trust
Beginning in the fall of 2008 our financial situation took a turn for the worse, as was very common for many. I am a self employed sales rep and my wife is a California public school teacher. We began the quest for a loan modification with B of A in April of 2010. In March of 2011 B of A sent my interest only payment back to us saying our request for loan mod was denied and that our monthly payment had increased from $4,200 to 7,500. In addition, we weren't able to make our annual property tax payment of $10,000 due to our poor financial state. Our bank would not accept partial payments so we stopped making our house payment in April of 2011. For the following year we continued to try to work with our bank to modify own loan down to a monthly amount we could afford. Simply put, we got no where. We were assigned a representative who would contact us and didn't. Another assigned rep would say our application was missing a page and then we had to start the entire process over again. One rep told us our bank received 400 requests a day from people like us and that the process is cumbersome and we should stay patient or think about a short sale or a voluntary foreclosure. While refiling and waiting, refiling and waiting, we were falling further behind in our payments and penalties were building. We were flooded with letters, foreclosure threats, certified letters, bank representatives knocking at our door to confirm the house was occupied, and the phone rang constantly from auto dialers from the bank's collection department. In our minds I think we both knew we would lose our home. We never said it aloud, but we felt it daily. The stress in this situation is unbearable but we decided to not give up just yet. In the summer of 2011, B of A sold my loan to Saxon and the process began again. A never ending circle going nowhere. Hamster in a wheel is how I felt. In August of 2011, I contacted CDA via a online inquiry form. CDA was one of a variety of attorneys offering aid that I inquired with. On September 1st, I received a response from Valentino Adams. His professionalism, persistence, genuine care about our situation, and the conviction that his firm could provide a solution for us was very reassuring. We kept in contact for a few months before I agreed to a conference call with a CDA negotiator. That phone call, combined with my own research, put to rest any doubt that they were a legitimate firm that I could put my family's future in their hands. Moments after making the commitment to CDA, the paper work showed up in my inbox and I replied with every piece of info they required. I had most of it already due to submitting it multiple times to my banks. After all my paperwork was in order, I was assigned to my negotiator, Jacklyne Davis. She kept in close contact with me throughout the entire process. Letting me know if there was or was not anything to report concerning the status of our case. She has a very unique way of explaining the progress in a manner that is thorough, passionate, and timely. I felt like she had taken full ownership of this project and would do everything in her and her firm's ability to help us if they could. When we were a good way into the process with my bank Saxon, we were notified that our loan was sold to Ocwen and that we were going to have to start over. Jacklyne assured us that she had everything and would submit our entire file to Ocwen for review. On July 7th, we received a letter form Ocwen that would change the course of our family's future. In bold writing at the top it read,"Approved: You will receive a total loan balance reduction of $544,241.91, and a low monthly mortgage payment of approximately $2,060.21 If you make three monthly trial payments." Our payment went from a interest rate of 5.25%($7,576.12/month) to 2.0% fixed for 40 years. In summary, if you believe you are in need of help, you are. If you feel like there is no way out of the hole you are in, there may be. Although my results may not be typical or pertain to your situation, CDA and it's staff will provide you with the best possible chance for an outcome that may exceed your wildest expectations; like ours.
Totally Professional and Gets Results
After suffering a serious auto accident and losing job two years after that, we went to CDA Law Center 9 months ago for help.After doing required paperwork for possible mortgage relief with BofA, we were guided and represented by CDA in all subsequent reviews and providing further documentation. After 9 months of negotiation with BofA, CDA was able to get an "over 50%" principal reduction for my wife and I: -The total forgiveness of principal at $282,076 giving us equity back in the home!! -Payment going from $3,238 to $1,954 saving us $1,283 per month!! Thanks Justin Dickson and Crystal Oropeza....you guys are awesome!!!!!
CDA LAW CENTER
I was 5-6 months behind when I approached CDA after the loan servicer denied a refinance. CDA got my payments reduced from $1,873 PITI to $1,320 PITI ! Our rate went from 5.875% to 2% fixed rate for the first 5 years with a maximum cap of 4%. Our existing loan was at 5.875% which came to an annualized rate of 6.125%. Quite the reduction. Gary McPeak and Jacklyne Davis were very helpful, always staying in contact throughout the process and always helping with tough questions which made the entire process run smooth.
CDA LAW CENTER GREAT COMPANY
Dear Todd & Suzie Again, words cannot begin to express how I felt that day when I received that call from both of you. I wanted to yell with excitement, this has been a long process over one year but you both hung in there even when I felt there was no hope you both keep on saying it would happen, thanks for that encouragement. My wife and I are forever thankful to you both for the hard work and dedication. Once again thank you Suzie thank you Todd may God bless you.
What a relief it is!
I was stunned when I got the final approval, Thank you, Gary McPeak and Suzie Bryant you both are awesome and were on top of my situation every step of the way, to anybody that reads the reviews it is for real +10. If you ask me, I like others tried from a different financial firm and got the run around for 1 1/2 years, I had to do follow up myself and was at my wits end. So obviously when I contacted CDA law firm I was skeptical and did not know what to expect! I wish I came across them in the first place. My rate went from over 6% to 2% I am saving approximately $700.00 per mo. I did not want to leave my home of 26yrs and did not know what to do my living arrangements or about my dogs, I was preparing for bad news. Thanks to Gary and Suzie I can now stay in my home and breath easier, I can go on and on about how easy they made this process, and would tell everyone they are for real and true professionals. Thank you, God Bless
Over 1 year ago we knew we were in trouble with our home. We tried walking in to Chase bank and getting a loan modification, but were denied. We called every number that we could find for them and were also told that we did not qualify for any loan programs. Then, a friend gave us the number to CDA Law Center. Ray Ghamsari answered our first phone call and stayed in touch with us until the day our modification was approved. Although he wasn't our Chase negotiator he never forgot the details of our case. Our negotiator Christine Nicholls was awesome too! She work hard to drop our mortgage payment from $2100.00 down to $1470. A $630 savings. Thank you!
CDA Law Center helped me get a loan modification. Reduced my monthly payment and my principal balance significantly.
I was referred by my CPA to CDA Law Center to assist me with my loan modification with B of A. They worked diligently for over one year and through the DOJ settlement program my monthly payment was lowered by about $ 1,000 and my mortgage balance was reduced by over $ 200,000, something I did not really expect. Cristine Nicholls and Ray Ghamsari were two main persons I dealt with at CDA Law Center. They responded to all my questions and concerns quickly and they provided valuable assistance and advice. Sincere and professional people. When I first started the loan modification on my own, the paperwork requested by the bank seemed insurmountable and repetitious. Every time I responded to a information request, I got back form letters that said I had failed to provide all the requested information and that my application would be denied unless I provided the missing information. But they never told me in the form letters what specifically was missing. It seemed to me it was an endless loop. I was dealing with a computer-generated response and dealing with contact persons that were changed frequently, sometimes weekly. When CDA Law Center took over my application process, I was relieved and felt that I was in good hands. They advised me and reviewed all my submitals to the bank, and I did not have to deal with the bank directly. CDA Law Center came through for me. My trial period for the modification is August to October, 2012.
TRUST ----- TODD JARRETT
I purchased my property in 2007 and was paying 7.125% interest rate. Properties and value went down significantly, and I found myself still at a high interest rate. I was so desperate. In 2011 I reached out to a company in San Ramon, CA. I paid $3750.00 just to find out I was scammed. I did not get any help and to this day I am trying to get my money back. One evening I was at my computer and found CDA Law Center. Since I was so desperate I typed my name and phone number and 2 days later Mr. Todd Jarrett phoned me. To be very honest, I could not sleep that night, thinking I got myself in trouble again, and surely this is some sort of scam. Todd phoned me on February 3rd at 1.30pm. He left me a message, which I totally ignored. I was scammed before and I had no interest talking to someone I don't know, especially when I had to pay. Todd was very persistent and phoned me again on February 6th at 11a.m. I answered the phone, very skeptical and obnoxious. I answered in very short answers and frankly told Todd that I was not interested. He started by introducing himself, CDA Law Center and with much confidence he assured me that he and the team can help me. The more I spoke with Todd I started to trust him. He shared his personal story with me and reassured me that everything would turn out well, and that he would be there to guide me. I felt sense of relief and could trust him and that he would answer me honestly. Honesty was very important to me since I did not get this from another company. I committed myself and Todd started working with me. After I missed my 2 payments, I started to receive letters from my Bank. I called Todd, he reviewed them and set my mind at ease. He always returned my phone calls 24/7. I would even joke by saying if he brought his sleeping bag to the office. Todd introduced me to Jacklyne Davis, Senior Negotiator. Very professional, phenomenal individual to work with. She too, always returned my phone calls immediately followed by e-mails. Very thorough in her explanation. Todd and Jacklyne were very amicable and professional. They started on my case and it wasn't long before I had a new 3 month trial period. Jacklyne phoned me on June 26th and delivered the best new which I had waited for few months. "CONGRATULATIONS ON YOUR MODIFICATION APPROVAL"!! My words cannot begin to express my excitement. On June 27th I received a package delivered by UPS with my new loan modifications. My new payment includes Principal, Interest, Taxes and Insurance. I save $365.05 per month. HOORAY!! It was the best decision I made when Todd contacted me. I will most definitely spread the good news to others and recommend CDA LAW CENTER. If you are experiencing difficulty in meeting monthly housing obligations please call TODD JARRETT (949) 379-8009. Todd and Jacklyne are a great team. Together they accomplish the impossible. I am forever thankful to Todd Jarrett, Jacklyne Davis and CDA Law Center for hard work and dedication you give to your clients. It is very difficult to find individuals like yourselves. CDA LAW CENTER is very fortunate have Mr. Jarrett and Ms. Davis on their team. They are an asset to the company. THANK YOU! THANK YOU! THANK YOU!!
You accomplished in 6 weeks what another firm has not completed in almost 2 years.I was scammed by them(American Home Consultants).I especialy want to thank Lorraine Whitford and Jacklyne Davis for there efforts.You can give my name and number to anyone who want's it.805-748-3296.You deserve a 6 Star rateing if iI could give one.
THEY DID IT?
I came across CDA Law Center by chance through email. I called a company regarding refinancing and did not qualified. CDA Law Centers telephone number was given to me as a company who could possibly assist me. I called the number and spoke with Gary McPeak. I had several questions regarding how a modification works and was satisfied with the answers. I started this process in March of 2012 and received my modification the first of July. It was a pleasure working with CDA Law Center. All of their staff were very professional and attentive to my needs. Suzie Bryant was assigned to my case and let me tell you, she was on the ball. She made sure that all paper work was in order and done correctly. Most importantly,she stayed in contact with me on a weekly basis providing me with updates on my loan. She also addressed any concerns I had and answered my questions that kept me from being worried. In the end my loan went from $2697.00 PITI at 6.5% to $1907.00 PITI 2% fixed. If anyone out there is in need of a modification, it would be in your best interest to contact the CDA Law Center.
Crystal Oropeza & Todd Jarrett helped save us our home!!!
We had our mortgage loan with Bank Of America. I attempted the loan modification process six times on our own. Each time they would send me a letter stating they were unable to approve our loan but that it would be "resubmitted" for a different type of program. After over a year and a half of submitting and RESUBMITTING about fifteen updated documents we were ready to give up. This is when all of the foreclosure process began. We were in fear of losing our home...I contacted CDA Law Firm /Todd Jarrett and he began the process immediately. Within two days upon our first meeting he had the foreclosure date postponed. He was very sensitive to our situation, it was much needed at such a difficult time. Crystal Oropeza from CDA became our Representative for the next 6 months. She was professional, experienced & extremely diligent in working on our behalf. She kept in contact with us throughout the process. We are very satisfied with the results from our business with CDA Law Firm. Bank of America has reduced our principal balance by $250,000.00 and our new monthly payment is affordable. The past two years trying to do it on our own was very tough. We could not had done it without CDA. Crystal and Todd have been great through the entire process. So happy we are able to keep our home and start living again.
SOMETIMES IN LIFE WE HAVE TO TRUST SOMEONE ELSE TO HELP US.
When David Vaughn first called us, I was very hesitant to ask for someone Else's help in trying to save my Home. These last four years in my construction business have been very hard. We had money put away for some slow times but never thought it would get this bad. The phone stopped ringing. First, I talked to David on the phone, then my Wife and I went to their office to meet them and also find out about the program. The made us both feel at home, no pressure. We came home that afternoon and decided to move forward with them helping us. They told us there were no guarantees that it would be completed but we knew they gave us the best chance to get our home loan modified. It took longer than expected probably because I'm self-employed. They know the paperwork that needs to be completed and they don't let your mortgage company push you around. I might not have been able to keep my Home if it wasn't for all the people at CDA Law Center. Everyone has Faith when times are good and everything is grand but when times are truly tough and not going so well do we still have Faith that we can work threw the hard times together. I have a good friend who lost his home because he thought he could do the loan modification on his own. He finally got so frustrated he quite working on it and eventually lost his home. I helped him,his Wife and kids move. That was a very tough weekend. This all took place before we were contacted by CDA. We only told a couple of people and they said, you are wasting your money. Not to many positive people out there. I did get frustrated a couple of times because of the time frame and also all the paperwork that is needed. My Bookkeeper must have completed three or four profit and Loss statements for different quarters. He was even a little skeptical about the whole thing. We stuck it out and did everything they required of us and finally our house payment was more than cut in half. That night before I went to bed, I sat in my front yard and cried. Thank you to everyone who helped us at CDA Law Center. We never know how it's going to work out unless we try.
Thank you very much Dawn Bestafka and Suzie Bryan ( CDA law center)
I lived in San Jose CA , about a year ago I started do my loan modification by myself and at the beginning everything was Ok, until the bank started to call me to let my know that they lost my papers or it wasn’t completed ,keep changing diffent people every time I call or did not returned my call, I almost give up my house that I lived for 7 years. One day while I was taking my break one of my co-workers hear about me saying that I need a loan modification or I was going to leave my house is when she went to her office and gave me CDA law center phone number I called right away and I spoke with Dawn Bestafka she immediately give the confidence that I need, she ask me a bunch of questions and right away told me that they will do everything to saved my house I send all my papers that she needs after that Dawn transfer my case to Suzie Bryan. I cant explain how wonderful and very effective they are , very professional since day one and always keep me informed about my case. It took about 2 months to finish my case and they gave the news that I was approved for my loan modification. I am so happy and also I want to recommend CDA law center this team of professional are the best. Thank you so much Dawn Bestafka and Suzie Bryan you are the best.
CDA Law Center is Impressive!
When I decided I needed some help with my Loan Modification, I contracted with a firm called "Advanced Loan Processing". They turned out to be completely incompetent paper pushers. In fact, I doubt they even know my Loan Modification has been approved...and it most definitely has been approved thanks to CDA Law Center. After being strung along by the lender for about a year, a sale date was set, then set again, and again... I was worried about losing my home. Then I found the caring folks at CDA. Within a couple of weeks I got a call from Suzie Briant, an attorney and experienced Negotiator amd Gary McPeak, Sr. Case Manage,r with the great news that my Loan Modification had been approved. They worked very hard for me and I am now in a position to keep my home. I recommend them highly. Janet Warren
CDA Law Center
These people are amazing. Justin and Christine help us through a difficult situation and is was completely stress free they way they took care of everything. I cant thank them enough for what they did and how they did it!
ABOUT TO GIVE UP
I was about to give up and let my house be sold in forclosure after 2-1/2 years of BS with the bank, 5 denials and trial modifications when i decided what the hell, one last shot. I contact CDA and spoke with Gary McPeak. After I layed out my situation to Gary he felt that CdA could help me. Jacklyne Davis was assigned as my negotiator and went to work right away. I followed all of her advice to the letter and low and behold,, it took 5 months but she got it done. I received my modification that lowered my houst payment from 2360.00 a month to 1495.00 including principle, interest and insurance. The relief I felt when as a single parent i was able to tell my kids we were not going to loose the house was great. I have lived there for 17 years and plan on many more. What Jacklyne and Gary did for me was absolutly wonderful. the cost was very fair for the amount of work they had to do. I truly thank them for their efforts in helping me keep my home. Oh and by the way, my 3 big dogs are pretty happy to keep their back yard too. if you get in trouble with your mortagage all is not lost, CDA will work hard for you as they did for me.
Family Home Saved by CDA
This home has been in my family for over 20 years my whole family grew up in this home. In 1997, my dad asked me to move in with him and help him financially he was losing his job. So I moved in with my dad and eventually my dad moved out. I ended up buying the home from him. My dad wanted to keep this home in our family. This home has lots of sentimental value to me and my family. When I last refinance I was told that this was a 30 years loan at a fixed rate. Later on, I found out that this is a 10 years fixed and I am paying interest only payments and my loan balance has never gone down. That is not the loan that I really wanted. I use to own two homes. One rental and one that I live in. I tried paying for both homes mortgages from my own income; my tenants stopped paying rent to me, a while back. I also had a third job that I lost which lowered my income too. I used up all of my financial resources to just keep up with my bills and two mortgages, but I run out of resources. I tried getting help from B of A they had my both mortgages; they just gave the run around. Paying for two mortgages without rental income or enough income was impossible. So I went behind on both of mortgages and was afraid that I might lose both homes. Bank of America would not help modify my rental property, I could not keep up with my rental mortgage payments and was forced to short sell my rental property. So I lost one home and I could not afford to lose another home that I lived in, too. I tried working with Bank of America for over 2 years on my homes. All they did was giving me the run around, losing my paper work, and never telling me the truth or had any intentions to help me keep my home. I was so desperate to modify my loan so I camped out for 3 hours during the Neighborhood Assistance Corporation of America (NACA)event and then waited for 2 more hours before talking to a Loan Counselor only to be told that I am not qualified to get the loan modified. NACA was a total waist of time. I then went to another office that does Loan Modification, paid $4000 in advance, the owner even pretended to be my friend but actually didn't do anything to help me with my loan modification either. I was running out of options. My friend recommended for me to talk to Ray Ghamsari at CDA Law Center. Even though I did not know who to trust I had no other options. I choose to call CDA Law Center and to speak to Ray Ghamsari. I went down to the office meet with their whole team there. They went over the whole process with me and I felt at ease and decided to hire them, I was still very skeptical. My experience with CDA Law Center has been nothing but positive. The CDA team especially Ray Ghamsari and Christine Nicholls completelytook overthe communications and responsibility on my behalf. I was ableto focus my effort on my work, allowing me to obtain the modification that I needed to keep my home. CDA guided me through the hoops andexplained the process completely and kept meabreast during the difficult process. I never had to keep calling B of A and having thempretending that they can modify my loan. I can tell you that CDA is upfront and honest and they will never take your case if they think they won't be able to do it. Thank you CDA for a job well done! Mybank B of A wanted to burdened with repetitive financial work and waste my time. CDA took great pride in handling the process and I’mso grateful to the personal attention that they afforded me. There area lot of shady companies out therepretending that they can modify your loans but I can tell you that CDA is upfront and honest and they will never take your case if they think they won't be able to do it. Thank you CDA for a job well done!
Todd Jarrett, Ryan Jacobs and CDA Staff changed my life.
I am disabled and my income from Social Security disability was not sufficient to pay my monthly bills. I had credit card, medical bills, and house paymemt.I was scared and frustrated for not being able to be current with my monthly bills.I contacted CDA Law Center to help me with a Loan Modification. I first contacted Todd Jarrett and he indicated that CDA Law Center would be able to help me and to trust their services.He explained the LM process and provided all the information I requested. I was hesitant to believe CDA Loan Center would help me because, a previously bad experience,with another Law Center. This Law office took my money , did not complete the LM process because the office stopped their operations and my money was not refunded. After I was convinced that CDA Law Center would help me, the LM process was started. With the guidance and support of Todd, all required documents were provided to CDA Law Center. Ryan Jacobs negotiated the LM very efficient and favorable because of his understanding and knowledge of Loan Modification process. He negotiated my loan payment to be $600.00 dollars less per month.He guided me thru the LM process very professional, friendly, courteous and very supportive. CDA AND STAFF , I am grateful for all your valuable help and understanding. Thank You for all your hard work and for helping me to keep my HOME.
THANK YOU CRYSTAL & VALENTINO AND EVERYONE AT CDA LAW CENTER!
What a difference CDA made! I was at my whit's end, ready to give up when my husband came home with a number for CDA Law Center. After losing all of our savings from previous attorneys and trying with the so called non-profit organizations like HUD and NACA, (just look at their success rate) we were very hesitant about hiring another law firm and very doubtful that anyone could help us. I reluctantly called CDA and spoke to Valentino. He went over our financial situation in depth while explaining to me that they did not accept anyone as a client unless they were confident there was a good possibility for a loan modification. Again, reluctantly, I agreed to the contract. Shortly, I was contacted by Crystal **, the negotiator who handled the modification. We stayed in constant contact with each other and she informed me of everything that was happening as I was going through the process. And then it came, the answer that we had longed for, the modification agreement! How elated we were! Valentino and Crystal immediately contacted me and congratulated me on the modification. We could not have done this without CDA Law Center. Even the case manager from Bank of America told me how Crystal and CDA had worked very hard for me to get this modification which included and large principal reduction. And that we could never had gotten this modification on our own. This was an enormous savings for our family. Thank you so much Crystal and Valentino for all your help. You guys are great!
THANK YOU!!!!!!! - CDA LAW CENTER SAVED MY HOME!
Before I went with CDA Law Center, I did my research. I had tried a modification on my own and I was stuck in a call que for 13 months. I knew that I wasn't going to get a modification without an attorney's help. I spoke with several different modification outfits. I read all of their reviews and even checked them out on other consumer sites. I went CDA because of their honesty on the phone during the initial interviews. I had several proposals from differnt companies before going with CDA. My experience: I know how important it was to provide CDA with CORRECT information and not withold anything. They are your attorney, duh! I was getting calls from B of A 4 times a day, so I gave them CDA's info and the calls stopped immediately. I received my welcome packet and it provided very valueable information about the process.I sent in my paperwork to Lorraine. She reposnded to every email she received. She let me know if there was anything else I needed to do. Seamless. Then I started working with Suzie my negotiator. AMAZING! She answered ALL of my questions ALL of the time. The paperwork process was simple. I needed a few letters of explination, no big deal. Sent those off ASAP and she was super appreciative. I had B of A short sales department start calling and scaring the crap out of me saying my home with going to auction in two weeks. Suzie was out of town when this started. So I call and emailed in panic and was able to speak with someone within 20 minutes that reassured me this is their collections tactics. After a few months of working with Suzie, I received my trial modification payments. $700+ LESS than my orginal mortgage payment. I started the process in February and I am starting my first trial payment in July. I am beyond thankful to Lorraine, Suzie and the whole team. I feel like I can start my life over again.
Letter of recommendation
My wife and I contacted CDA Law Center around October, 2011 regarding the process of loan modifications, and we spoke to Todd Jarrett, whom we found to be knowledgeable, polite and professional. We did not understand the modification process, and what was involved, and what we needed to do in order to achieve a lower and more affordable loan payment. He was patient with us and explained the process over and over, as was necessary for us to understand. I purchased in 2007, and like other people and their properties, the value went down significantly, and we found ourselves in a bad position financially when I retired in October 2011. We spoke with Todd, and he assured us, after he ran all the numbers, that we still were in a position that is favorable to negotiate a better payment than what we had at that time, which was about $2,900.00 monthly. There was no equity in the home due to depreciating housing markets; therefore, selling it was impossible. We believed in what Todd was telling us, and we knew we had to make a decision to trust in his advice. Then we decided to sign up for the loan modification through CDA, and when we did, Todd introduced us to a phenomenal lady named Jacklyn Davis, who is a loan modification negotiator. This lady is dynamic in her understanding of the loan process, and how to actively pursue the mortgage company in arriving at an agreement or settlement offer, which benefits both the home owners and the mortgage company. In stating this, and to clarify, it was determined through the negotiating process, that our mortgage lender would agree to a better case scenario by reducing our monthly payment for a fixed term, rather than us walking away from the house and leaving it unattended which we felt we were at some point in time, going to be forced to do. We received the good news in February 2012 that the mortgage company agreed to a lower payment modification with a 30 year fixed amount effective on the first of June of 2012. My wife and I are still in awe over this news, and we immediately thanked those responsible for their commitment and help with our dilemma. With this good news, means we will be able to stay here in our home that we love, and the new reduced payment amount is a lower figure than the projected figure, at the time we signed up with CDA Law Center. My wife and I will also spread this good news to others, and we definitely recommend CDA Law Center to those persons who like us, were experiencing great difficulty in meeting monthly housing obligations. It was the best decision we made when we contacted them.
Thank You Jacklyne Davis and Valentino Adams of CDA Law Center!
After falling behind on my original loan modification, I was offered "Making Home Affordable" (HAMP) through IndyMac Bank. I tried for several months to fill out paper work and send financial statements. I found it very difficult to communicate with customer service and in the end I was denied. Thankfully, I found CDA Law Center through a random search online. I was sold after speaking to Valentino Adams. He was so positive, enthusiastic, honest and always returned my phone calls. I also had the pleasure of working with underwriter Jacklyne Davis. These two made it so unbelievably easy to process my paper work. I learned so much from them, I would have never been accepted for my new loan mod without them. After many months, I am now starting my trial loan mod. My new loan is 2% with principal forgiveness of $121,822.71!!! I am blessed to have found and worked with such amazing people, I can finally BREATH. Thank You,
You CAN trust in Todd Jarrett, Suzie Bryant-Grijalva & CDA Law Center!
Saturday, December 17, 2012 and Tuesday, May 29, 2012 are two dates I will never forget for the rest of my life. These are two dates for which I am eternally grateful! December 17 is the date I was so distraught over the possibility of losing our family home. May 29 is the date Todd Jarrett, Suzie Bryant-Grijalva and CDA Law Center gave me the 2nd best gift (my child being the 1st) of my life…our home! It was Saturday afternoon and I was at home in tears distraught over how I was going to make my mortgage payment and other bills. I was praying for God to intervene and deliver a miracle. Here I was a single mother to a very young child with medical bills, funeral expenses and other bills piling up quickly. I had just spent my savings and most of my retirement caring for my mother and step-father both who had just passed within months of each other. I never felt so alone than that Saturday afternoon. So, I turned to the internet for solutions when I saw an advertisement for home loan modifications, which turned out t be CDA Law Center. I started to enter my name, telephone number and thought…what am I doing? I don’t know these people, so how can I trust them? I proceeded to close my computer and within minutes, I received a call. On the other end of the line was Todd Jarrett. He started by introducing himself and stating that he could help me. Well, I can only say that God answered my prayers that day, as HE usually does. He brought Todd (later Suzie and the entire CDA Law Center) to me that day. Todd shared his personal story with me and made it his mission to help me. No matter what I said, Todd reassured me that everything would turn out well and that he would be there every step of the way. By the time I hung up the phone, Todd had earned my trust. I can say with every fiber of my being that Todd delivered on every word and he has never left my side. In fact, Todd, Suzie and CDA Law Center delivered even more by helping to reduce my mortgage payment to include my property taxes and insurance. So, to simply say “Thank you” is not enough. They gave me peace of mind and yes, the family home where I was raised and where I will raise my child. We will continue to be part of a wonderful community in our home that I can only humbly state I owe to Todd Jarrett, Suzie Bryant-Grijalva and CDA Law Center. Please know that you CAN trust in CDA Law Center and should you be blessed enough to work with Todd and Suzie, know you are working with THE VERY BEST TEAM! They will treat you with care, respect and give you peace of mind. So, when you receive those many notices of foreclosure in the mail and Real Estate Agents who will come knocking, just know that Todd, Suzie and CDA Law Center are working in your best interest. Oh yes, the May 29 date is the day I received the overnight package from my mortgage company with my modified loan reducing my payment by $580 per month. This is less than originally discussed with Todd that December afternoon….5 months, 12 days from that date to be exact. I have friends who have had to wait 2 years without this result. I will forever be grateful to you all from the bottom of my heart and tears of great joy...THANK YOU, THANK YOU, THANK YOU!!!!
I didn't believe it would happen! But CDA Law Ctr did it!!
We started this process with a phone call to Zack Hensen in February 2012. Zack told us 90 days would be finalized. Today, May 31, 2012, was the 100th day and we got our answer. We waited for the federal and state governments to supply needed paper work. Our government's wheels move more slowly than CDA. CDA was extremely professional, patient with me, and successful. They are great in their business of helping others. A great TEAM Effort!They got us a loan mod when others merely talked about it and tried to trick us with paperwork requests but got zero results CDA was truthful, forthright, and thorough. My wife, Kathie, and I are most grateful CDA came into our lives. Thanks Zack, Lorraine, Christine and Elias, but Christine had the toughest job- interacting with me on several occasions.
Todd Jarrett & Christine Nichols of CDA Law SAVED Our Home
Back in September 2009, I found myself in a very difficult situation. I had a predatory loan from New Century Mortgage at the height of the “Housing Bubble” with a $3,500/month and 8.9% interest when the economy came crashing down. Century Mortgage sold our account off to Saxon Mortgage and went out of business. My family was really struggling. I was the only income in a house of seven persons. In March 2010 I couldn’t take it any more so I contacted Saxon requesting a “HAMP” modification. I was given one, and after making 12 trial payments, Saxon Mortgage stopped accepting any payments and started foreclosure. I applied over and over again for a permanent modification and was rejected every time. I spent a lot of money with two different loan modification law firms with no success, and still I couldn’t find the way out of my foreclosure mess. Ultimately I had to file a Chapter 13 to keep my house from being sold. It was not only affecting me but my whole family. I lived this nightmare for over 3 years. One day after living in agony, and not wanting to lose my home, I went on the internet and discovered CDA Law and applied for more information about CDA Law, within minutes (no literally) Todd Jarrett found me. Whatever button I clicked he literally contacted me within minutes and gave me a call. I was not very convinced due to everything I had already been through. It was hard for me to believe in anybody. Todd didn’t give up on me; he kept insisting for over 40 minutes that CDA Law could and would help. I was still skeptical until he told me the magic words which made me put my last hopes on him. He said to me, “Let me give tranquility back in your life, and let me help you keep your home.” He asked me,”Do you want to lose your home or live in it?” We immediately set an appointment, I then traveled to his office where all the members from CDA Law Center welcomed me and made me feel confident. From the moment I entered the office I knew I had made the right decision on setting my hopes on them. The staff was very amicable and professional; they got started on my case right away collecting all the paperwork they needed to get the job done. In a matter of 15 days they had everything they needed and it wasn’t long before we had a new 3 month trial payment plan. At the end of the 3 months, they successfully gave me the permanent modification. Thanks to Todd and Christine Nichols who negotiated the modification, and the rest of CDA Law Center, I have peace again in my life. I also thank God for putting Todd and Christine in my life. Todd kept his promise. In a matter of a few months he put tranquility back my life and returned my home back to me. I am currently working on making overdue repairs and modest remodeling to my house because I can confidently say it is mine, thanks CDA Law Center.
Jacklyne Davis and Justin Dickson made the difference in saving my home!
It has been my pleasure to have made the best decision in choosing to do business with CDA Law Center. After a failed attempt in 2010 to negotiate with my lender myself to no avail, I found myself learning that if I wanted to save my home I would have to look for a business that specializes in this line of work and that I truly felt could get the job done. This is when I came upon Jacklyne Davis and Justin Dickson from CDA Law Center. As soon as I met them I felt reassured that I had chose the right people to get the job done. They are knowledgeable, professional, and absolutely passionate about what they do. Through their expertise and hard work I was able to take a great financial stress off of my shoulders. I work hard for what I have and what I do and saw them do the same when it came to handling my case. They understood from the beginning, I am not one to trust anyone with my business especially when it comes to my home and family. I was absolutely proved right in choosing this business which was able to lower my payments from a high $4,369 PITI to $2,558 PITI saving me !1,810 a month! That's not it however,they were also able to lower my interest rate from more than 7% to 3.75%! Amazing as that is Jacklyne and Justin not only lowered my interest AND my payments but they were also able to reduce my Principle Reduction by $162,840.80! I am so happy and so grateful with this fine company that I really cannot tell people that they are anything less than a five star business that has earned everyone of those stars with their honesty and astounding work skills. I know that if myself or anyone I know is in need of a reputable and honest legal service provider I will send them to Jacklyne Davis and Justin Dickson at CDA Law Center. Thank You!
Gary & Cristine saved our Home
My husband and I got behind on our mortgage payments due to the fact that I got sick and needed to have major surgery. I ran a child care business out of my home for twenty-three (23) years and was very successful at it, until my illness. I loved working with the children and loved me, but due to my illness I was unable to continue working. We started to receive letters from the Bank. The letters were scaring us, because I did not Know where I would be going to recuperate after I had my surgery if lost our house. A Mortgage Company contacted us and said they could help us and that they would need $2,999.00 in advance start the proceedings and that they would not cash that check until all was completed with the Bank. I tried to contact them to get an explanation as to why the check was cashed the every next day. No one at that Mortgage Co. Could give us a direct explanation as to why the check was cashed or what was happening with our case. Then I received a phone call from Mr. McPeak from CDA, he explain to us what was happening with the Banks. Mr. McPeak explained to us about some kind of loan modification that the Government was offering to home owner in our situation and after asking us some questions he told us that "we qualify for such a loan". Right away we trusted Mr. McPeak the way he explained everything to us that he sounded like he knew what he was taking about: so we decided to hire his Company. He went right to work on our case and made himself available to us and answer every question and concern we had. He introduced us to Ms. Christine Nicolls who was in charge of getting all the paper in order that the Bank requested from us. Ms. Nicolls kept in touch with us on regular basis letting us know what the Bank was requesting from us. In three (3) months from start to finish CDA got us a loan modification with the Bank that reduced our loan by $97,000. The mortgage payments including taxes and insurance reduced the interest and gave us an affordable monthly payments. We are VERY GREATFUL to Mr. McPeak & Ms. Nicolls for their time and effort, they are Heaven sent they really are sent from Heaven. Thanks to them and their Company we are able to keep our home. Thank you Mr McPeak & Ms. Nicolls God Bless both of you, you both were great and very sensitive to needs of people like us
CDA law firm saved our home.
We purchased our house in 2006, our payments kept going up and we were paying interest only so our mortgage kept going up also. After extensively researching the internet I settled on CDA law firm to help with our loan modification. Our house was $300,000.00 underwater at this time. Todd Jarrett immediately put me at ease and established an instant rapport. (What a gem he is). After giving Lorraine Whitford all of our information and then being assigned Jacklynne Davis as our negotiater we just had to sit back and wait. Our questions and concerns were promptly answered via email and phone. Our loan was modified and we are paying less than our interest only payment prior to the modification and taxes/insurance are included. We don't feel we could have done this on our own and are extremely grateful to CDA Law firm. Thank you Todd, Lorraine and Jacklynne, you are the best.
Susanne Bryant and Todd Jarrett are AMAZING!!
I would like to first begin this review with a THANK YOU to CDA Law center, Suzanne Bryant and Todd Jarrett! Todd Jarrett who was my first contact with CDA Law center was very professional. Todd took me by my hand and walked me through the process of modifying our home loan. He assured my husband and myself that CDA would do the very best they could to secure a reasonable loan modification. I Would also like to express my sincere appreciation and Thanks to Suzanne for all of her hard work on my home loan modification! Suzanne was very professional, knowledgeable and always kept us well informed. Working with Todd and Suzanne has been a great experience and I would definitely recommend the company to anyone who is seeking a loan modification! Thank You again for all of your help, hard work, compassion and understanding! Here's to another success story!! The best modification EVER!! Suzanne and Todd, You delivered and you ROCK !!
Thank you Sincerely CDA Law Center
I want to extend my sincere thanks and true gratitude to Val and Cristine for all of their work on my Home Loan Modification!! I was one of those people who didn't qualify for any of the government programs out there, but continued to struggle with a payment on an upside loan. I waiting one day at one of those Modification Seminars, I again was turned down and told I would have to live with my loan as it was, there was no program for me. I even followed the advise of my mortgage company and attempted to get the denial letter from the recommended sources online, to no avail, they said I made too much money (really). No one would even take my information. The mortgage company wanted a denial letter before they would consider modifying my loan. I finally called CDA Law Center on the advice of my accountant friend, and talked to Val. He was incredibly patient and honest. CDA would do the very best they could to secure a reasonable modification. Christine, my negotiator kept in contact with me via e-mail, calmed my nerves when I panicked and only today gave me the great news that my modification was done. And she was able to negotiate an over $700 savings per month on my payment. WOW!! I am a single Mom with her grown children still at home, support them, her grand daughter, the baby's Mom and my significant other!! I now have room to breath! This was a very scary process and I empathize with anyone who attempts to do this on their own. The dollars that I spent with CDA was well worth it and I highly recommend CDA Law Center to anyone. Thank you, thank you, CDA.
Todd Jarrett and Jacklyne Davis SAVED MY HOME!!!
How do I begin to say thank you? Thank you for honesty, integrity, peace of mind, knowledge, courage and of course a loan modification that will allow me to stay in the home where I have lived for over 30 years---my home! The words “thank you” seem inadequate! I am the single mother of three beautiful daughters and one thing that I have always taken pride in myself was the fact that I could take care of us! I worked plenty of hours; in fact for the better part of 25 years I have worked 3 jobs simultaneously…sometimes 7 days (usually 6) a week… but I could keep a roof over our heads, food in our stomachs, and send my daughters to college! There was always plenty of work for me until the California economy fell apart and the governor started slashing the budget which funded adult education in 2010. At that point, I had been and Adult Vocational Instructor for 18 years. In the next few months, I watched as entire departments closed (We went from a staff of 400 to 93). Teachers lost their jobs but I felt secure because I worked in vocational training and I had taught for so many years. But then it happened to me, my hours were cut from full time, to part time, to only 6 hour per week…then I was laid off completely. Needless to say, any savings was being used to live on, and I hoped that this was a short term crisis, and my job would return. It did not happen! To make matters worse, my daughter, her husband and two children moved in with me because my daughter’s job abruptly closed and her husband’s job went from full to part time. Now, I was supporting the entire family on my savings. For the next year, we struggled to pay the bills, and it quickly reached the point that I needed help. I read the information from my mortgage company which said people in my situation needed to apply for a loan modification. I did…I filled out the horrendously long application…submitted countless documents, bank statements, income tax returns…all several times…to be told after about 6 months that I did not qualify! I was devastated, my savings was gone, I was unemployed and I had no idea how I was going to make it! I began to read about loan modifications on line and I also spoke to colleagues about their struggles. Two colleagues lost their homes. I was terrified, and I also felt that since I had been turned down by my mortgage company that I was going to lose my home. That’s when Todd Jarrett called. I guess I had responded to an email questionnaire, and he called late in November 2011. I am not sure why, but I felt an instant sense of relief when I spoke with Todd. I felt that I could trust him and that he would answer me honestly. This was important to me because I had spoken to so many people and I felt I could never get a straight answer. Todd explained things to me in straightforward terms…..not legalese. If I called, and he was not at his desk, he ALWAYS returned my call (EVEN ON Saturdays). If I received strange documents from my mortgage company, he would review them with me and set my mind at ease. When we moved into the negotiation phase, he introduced me to Jacklyne Davis. She too, the ultimate professional; would ask for the information she needed, explain what she was doing and why she needed what she was asking for, and was always friendly and courteous. My loan modification came through on May 7, 2012. My old payment was $1,876 interest only at 6.5%. My new payment is $1,074 which includes principal, interest, property taxes and property insurance! It actually is a lower payment than Todd originally predicted! I am forever grateful to Todd, Jacklyne and CDA Law Center for helping me save my home.
Suzie Bryant and Valentino Adams saved my home
I was going through a divorce and my husband left me and my two children with all my bills and my home. For months I tried to work with the bank on my own but was unable to get any permanent relief.I was always told a different thing even to the point where they sent me papers and told me after 3 months I was going to get a permanent modification .Well that wasn't the case my house went into foreclosure .I called CDA law and spoke with Valentino Adams .I told him my situation and he told me based on the information I gave him they could help me .He was honest and very helpful. He always returned my phone calls right away and was there for me to help me through the beginning process.If it wasn't for his support I would have given up and lost my home .He told me Suzie Bryant would be working with me through the process. Suzie called me right away and informed me what documents were required . She always emailed me or called me and kept me informed on what was going on.She was there for me as if I was a family member.I was ready to give up and Suzie told me she is not a quitter and to please send the 32 pages of documents the bank was requiring .I faxed them to her and she said she would follow up with the bank .Suzie contacted me regularly and when she said she would email she always did .She was there to answer any question for me and most of all gave me the support I needed to move forward .i just remember her telling me she should have an answer for me by Monday and sure enough on may 21 2012 I received a message to call her ,She informed me of the good news that I was approved for a modification . It was like a dream come true! I received a principal reduction, my second was forgiven and I will be able to afford my payment and keep my home . If it wasn't for Suzie and CDA Law I would have for sure lost my home .I strongly recommend CDA Law .
Thank you CDA Law Center Done the Great Job A++++++
We have been trying to modify our home loan with Chase for almost a year. In this time period, we've submitted our application twice, and as of yet have not received any relief or acknowledgment. Its been a long and stressful waiting game and calling them is no better. They transfer you to various reps and not one can ever help you. They are rude and misleading. Chase is not out to help us homeowners needing relief, instead they are forcing us into losing our homes!! they denied my loan mod twice, so this is leave us have no choice to let go our house and put on the market and hope bank can approve on our short sale, but story are still same three months stress and hopeless waiting. I did a research on the Internet and make inquired on CDA Lawcenter. in here very thanks Ray Ghamsari call me from CDA law center and explain how CDA could help me to save my house.he spent about an hour on the phone with me obtaining as much information as possible about or situation and told me that he would let us know if he could help us. About an hour later, Ray called us and informed us that we did actually meet every guideline for a HAMP modification, so I decide retain CDA lawcenter do my loan mods again. after near 3 months work I received a loan approved letter from Chase and put me on 3 months trail period start with 06/01/2012, this save my month payment 1366/month. In here just wanted to say thank you for all the hard work CDA law firm did for us! The process was very easy and and I don't know where we would be with out there help! Thank you Cristine Nicholls@Senior Negotiator and Lupe Perez@Sr.Processor, and Ray Ghamsari@Sr.Case Manager because all of you help and do a hard work plus professionalism so I can get approved from the bank Thanks again, bottom line I would use them again and recommend them highly. Frank Lin :-)
At the end of 2008 when the economy started to decline, my employer was forced to layoff almost half of his workforce, those of us that were lucky enough to keep our jobs were faced with sever pay cut’s. Wanting to be proactive I contacted my lender JP Morgan Chase to apply for a loan modification in January 2009, this is when my nightmare began… I have a file at least 5’ thick of documents Chase requested and supposedly never received only to be requested again, being on hold for hours on end being told that no further information is needed at this time, only to receive a letter in the mail a few days later stating that the modification will be denied if they do not receive the requested documentation within the next day etc… This went on from January 2009 through August 2011, by some miracle I somehow managed to get to the trial payment period two times on my own, and each time I was told by Chase that my loan is under review by the underwriters, that my modification was approved, and that I should be expecting my new loan documents by Fed-X any day, only to be denied without explanation??? After the 2nd denial I was completely dejected, and feared losing my home, a friend of mine had just been modified, and referred me to CDA Law Center what a blessing!!! I met with Ray Ghamsari on August 26, 2011, he was extremely knowledgeable, answered all my questions, and listened patiently as I recounted my frustration with Chase, and that I believed loan modifications were a total myth. CDA Law Center was able to accomplish in nine months what I was unable to do in three years, my loan is now modified, and CDA Law Center has saved me $1,077.45 per month on my mortgage payments. The whole staff was a pleasure to work with as well as professional, and Ryan Jacobs you ROCK! I appreciate the updates and the follow through on every step of the modification process, and above all your infinite patience with all my annoying e-mails. I would recommend CDA Law Center to anyone that is tired of getting the run around from their lender. Sincerely, A Happy Modified Customer :)
CRISTINE NICHOLLS AND GARY MCPEAK
All I can say is WOW!!! What a great job Cristine & Gary have done for me and my husband.. What a professional team to have on your side.. We went through a loan modification process with many fears to start off with, but Cristine & Gary made us feel comfortable and secure that they had our best interest at heart. They kept us updated throughout the process and answered all of our questions and concerns. I would definitely refer them to any friends or family in our situation.. Thank you so much for such a GREAT JOB!!!
GREAT Job CDA Law
Two years ago I did a loan modification with Bank of America on my own (tried to save a few bucks). The original terms of the loan was 40 year fixed @ 6.875%. With a payment of $2,450 PITI. After 13 months of trial payments B of A said I did not qualify but they did offer me a reduced interest rate @ 6.5% fixed for the remaining term of the loan. The new modified payment was $2,765 PITI. I had 3 days to accept (or go into foreclosure) plus give the bank an additional $2,750. In September 2011 I contacted CDA Law and inquired what they could do for me, I liked what they told me but I was skeptical because of the past experience with B of A. The $2,765 a month payment was killing me financially so I retained CDA Law to represent me with Bank of America. I just received notification from B of A (confirmed by CDA Law) that my trial period will begin 6/1/2012. The trial payment will be $1,869 for 3 months and a $40,000 balance reduction. CDA Law informed me that this payment will be my new payment when the modification is finalized. If you think you can do a loan modification on your own or are skeptical as I was, believe me when I say Professional representation is the only way to go (you should be aware that I'm also a licensed Realtor well versed in "Short Sales and dealing with Banks. A loan mod is a whole different ball game). CDA Law is a highly reputable law firm and as far as I concerned the BEST at what they can do for you. I will be happy to talk to anyone about what CDA law can do for you (they do have my permission the supply my contact information to you.). THANK YOU Gary, THANK YOU Lorraine and THANK YOU THANK YOU Jacklyne. P.S It shouldn't be only a 5 Star rating 10 Star is deserved.
CDA LAW CENTER IS THE WAY TO GO!!! PAUL YOUNG AND SUZIE BRYANT ARE AMAZING:-)
I would just like to express my gratitude and appreciation to CDA law center (especially Paul Young and Suzie Bryant)for all the hard work they did helping my husband and I with our home mortgage loan modification. My husband and I were in a horrendous loan known as Negative Amortization; many refer to this loan as a ticking time-bomb. We were upside down on our loan and our mortgage payments kept increasing and it got to the point where we found ourselves nearly not being able to make the payments. My husband had been unemployed for over a year and was also laid off 2 times prior. We had depleted our savings trying to keep up with our payments. We were barely making the payments within the grace period and were literally living from paycheck to paycheck. Finally, we came to a standstill; something had to be done we just didn't know what. We were so worried about losing our home. I had heard about the HAMP program, so I tried contacting our bank (Wells Fargo) for help, and of course they told us there was nothing they could do for us because we didn't meet all the terms of qualification for the HAMP modification program. I was watching TV one day and saw a commercial about loan re-modifications and decided to take a risk and call the number. After doing so, I was contacted by Paul of CDA law center. He was very informative and answered all my questions. My husband and were very skeptical about hiring a law firm and paying legal fees (you know with all the scams going on), but we decided to take the plunge and found it to very a good decision and worth every penny. Our monthly payment was $2,240 Principal, Interest, Taxes & Insurance. With the help of Paul and Suzie, our monthly payment went down to $1,555.30 Principal, Interest, Taxes & Insurance. However, that's not even the best part. The BEST part is, my husband and I received a $179,504 Principal Balance Reduction. Our loan amount went from $393,356 to $214,000. When I got the call and Paul told me about the banks decision, I was so overcome with joy. I couldn't wait to tell my husband the good news. A huge burden has been lifted for us and now we are able to breath and have peaceful nights. No more sleepless nights and worrying about how we are going to make our payments. If you find yourself in a situation where you are contemplating whether or not use CDA law center, my advise would be to have the law firm in your corner. My husband and I truly believe that we wouldn't have had results like we got without CDA law center. Did I mention that the loan modification was done through the HAMP program, the same one that Wells Fargo told us we didn't qualify for. Again, let me emphasize that I think it's better having a law firm on your side rather than trying to do your loan modification on your own. CDA law center is the way to go!!!! THANKS CDA LAW CENTER!!! THANKS PAUL AND SUZIE:-)!!!
Todd & Crystal "ROCK"
To: CDC Law Center This letter is in reference to a successful loan modification that CDA Law Firm was very successful in completing. At the on set my wife and myself started the loan modification in April 2011 with our then loan company, EMC Financial with no success. We were denied by EMC and EMC then sold our contract to Chase Financial in November of 2011. I then contacted Chase and spent approximately one month trying to contact the correct department. Then I submitted their required forms in December 2011. I became concerned about being denied and contacted CDA Law Firm. After some research and lengthy talks with Todd Jarrett, my wife and I signed on with CDA Law Firm. Todd then referred us to Crystal Oropeza. We then had many communications with Crystal, who asked us to follow her lead and be willing to submit all information she was going to require in a timely manner. We responded to all of her requests within a 24 hours. Crystal didn’t let us down and completed our package very quickly and turned it over to Chase. During this time our request for loan modification was denied. Crystal pushed the CDA package to Chase. Crystal was able to get our package approved in one months time. Looking back, had we had Crystal and CDA law Firm back in April 2011 we would be further ahead. Thank you very much and we would recommend CDA law Firm, specifically Todd Jarrett and Crystal Oropeza to any one looking to do a loan modification. Thank you
Compliment CDA Law Center, specifically Jacklyne Davis and Paul Young
I am writing to express my extreme gratitude and to compliment CDA Law Center, specifically Jacklyne Davis and Paul Young, on assisting me in getting an approval on my loan modification for my home mortgage with Bank of America. When initially purchasing my home, I had been directed towards a very bad loan, a 7/1 ARM Interest Only at 6.5%. With the help of CDA Law Center I was given a $138,662 principal balance reduction and the interest rate was reduced from 6.5% to 5.25%. My monthly payment went from $2,929.50 interest only, down to $2,278.87 principal, interest, taxes, and insurance, a savings of almost $700 per month. After having tried for almost a year, working directly with the bank and becoming very cynical towards them and any programs that were being offered by the government to help people like me, I was very nervous and skeptical of getting a law firm involved, as well. I was becoming very stressed and was not sleeping at night. It seemed like so many people, e.g. various levels of bank employees, friends, realtors, etc., were giving a large range of recommendations and advice. I really didn’t know which way to turn! Especially advice from, and working with the bank was getting me nowhere as it seemed I was just being transferred from one department to another (sometimes six or seven times per call) and each saying “oh, that’s not my department”, and this after spending a lot of time on the phone explaining what I needed. It just seemed they were trying to give me the run-a-round and chase me off. I also tried a loan modification myself and was turned down for a MHA Gov’t. program while using NACA. Fortunately CDA Law Center knew the process well and was able to get to the point, filing forms that proved I was eligible for the HAMP Program. They knew the process, a process that the bank certainly didn’t seem willingly to share with me, and a process that I was totally unaware of. I am a self-employed business owner and, given the bad economy over the last several years, business had gotten very slow and my income was reduced significantly. My simple goal was to keep my home!! My experience of trying to negotiate this loan modification was emotional, draining, and embarrassing. I even began the process of a short sale. Fortunately I was able to get CDA Law Center involved before completing that process and pulled my home off the market. As they say, “the rest is history”!
My experience with Cda law center has been great.They did everything promised and always kept me well informed with What was going on and what to expect. Working with Crystal Oropeza has been a great experience and would highly recommend The company to any in need. Thank You CDA law center for saving my house.
I highly recommend CDA Law!
Thanks to CDA Law we were able to keep our home and get a lower payment. Suzie did an awesome job, with updates as we sat and hoped we would get approved. She made us feel comfortable and still has not left our side. I had my doubts in the begining, but from a single mother of three and taking care of my mother, it's the best choice we made! Thank you again CDA Law Center.
Leap of Faith
My husband and I bought our first home back in March 2006 when the market was good and the future looked to be heading in the right direction. However, very soon after we moved in, the market took a huge dive. We had signed on to a mortgage that was interest only for 10 years and then principle only for the remaining 20 years, with an increase in the payment, of course. We figured we could manage a refinance before the 10 years were up, but that was counting on the economy holding steady, or improving. Once we saw the economy had taken its turn for the worse, and continued in that manner, my husband set out on the very long and time-consuming journey of trying to secure the refi we were hoping to find. He tried so many different programs and strategies. The hours spent, the paper wasted, and the money lost from all these attempts were heart-breaking. When we connected with CDA Law Center, we were skeptical, but hopeful. As we spent a lot of time just in the research/interview phase with our first contact, Todd, we wanted to make sure we covered all our bases before making the decision to hire this firm. Once we felt as secure as one could feel when making this type of decision, we were very encouraged by the responses we were receiving based on the information we were giving the firm. We easily met all the criteria for the loan modification program except for one crucial element. This one crucial element could make us or break us in terms of living in our home, but we decided to take a leap of faith and move forward. Our next contact, Jacklyne, lead us through every step of the way. We were in constant contact via email. She requested a very large number of documents to be faxed to her to use in our case and was very patient with us throughout this process. Any time we felt like we needed any bit of information or update, we simply sent off an email and we received a prompt response that was informative and reassuring. I also want to add I gained a large amount of trust and respect for the firm when we were told to wait to make our next payment to them for their services until they could move forward on our case. I felt like that was much more appropriate and professional for them to do rather than take our next payment prior to the time they could actually complete the next step in the process. We were thrilled to get the email from Jacklyne stating the bank had approved our modification and that our monthly payments were almost exactly what they had been. However, we were paying interest only payments, and handling the insurance and taxes on our own and looking forward to an elevated payment in the not-too-far-away future that covered the principle. Now, were are paying the full principle, interest, taxes, and insurance in the one payment that is basically the same as what it was. This is fantastic! We are thrilled and could not be happier with the service we received. We have already recommended this firm to a friend of the family. Thank you, CDA Law Center and Todd and Jacklyne!
Very Happy to have found CDA.
My Husband and I are very happy to find out that our Modification was approved Thank You to Susan Briant and Ray Ghamsori from CDA Law Center. They were very professional and answer all my questions promptly. Our Monthly payment was reduce from $5,500 to $3,300 I will recommend them to anyone who wants to get a Loan Modification.
Leticia and Gerald W.
CDA Law Center is the best for your loan modifications. They are a firm you can trust. Now days it is hard to trust people but they made us feel important and wiped all our fears away. They got our loan approved!!! Thanks to all who were apart of our loan modification especially Christine! If you ever need an attorney for your loans they are the firm to use. Keep up the great work guys!
cda law firm was great.5 star!
CDA LAW CENTER IS A PROFESSIONAL COMPANY AND VERY SUCCESSFUL IN GETTING LOAN MORTGAGES MODIFIED.THEY WERE ABLE TO GET THREE MODIFICATIONS FOR ME.I HAD A FIRST@SECOND ON MY HOUSE. THEY NEGOTIATED WITH CHASE BANK AND GOT ME A LOWER MONTHLY PAYMENT.I CALLED JUSTIN DICKSON@CHRISTINE NICHOLLS UP TO SEE IF THEY CAN GET A THIRD LOAN MODIFICATION IF POSSIBLE.THEY SAID THEY CAN GET IT DONE AND THEY CAME THRU.MY PREVIOUS PAYMENT WAS $3,800.00 DOLLARS.MY NEW PAYMENT IS $2700.00.THATS A SAVINGS OF $772.00 A MONTH.MY DEEPEST THANKS GO OUT TO THEM OVER AT CDA LAW CENTER FOR EVERYTHING THEY HAVE DONE FOR ME.
Thank You CDA Law Center for our Home Loan Modification!!!!!!
It's nice to know that there are businesses out there who tell you they can help you out & actually do it!!!! Going through foreclosure is a scary ordeal. We were 5 months behind in our house payments & being a business owner for 43 years, with a failing economy & loss of a steady income, we tried to work with BofA-several times, (3 months), even though our home loan was with them & they said they couldn't help us. We had made so many phone calls & were told we were ineligible. Somehow we got in touch with CDA Law Center in the 1st. week of October 2011 & we decided to give them a try. I first spoke with a Gary McPeak-who was our SR. case manager. He asked very specific questions & determined that I was a good candidate for a loan modification & explained how they were going to go about helping us out. 1st. by lowering our interest rate & 2nd. by lowering our house payment. Gary then turned us over to a Crystal Opopeza-who was our Negotiator, she worked very closely with my wife. Crystal made it very clear & simple as to what documents were needed. In my case, being a business owner, there was a tremendous amount of documents involved to get the process started & to make it all happen. During the process if we had any questions, they were answered. Crystal never put us off & always made us feel confident. Good news is; as of March 9,2012, 4 months later, we were approved for a loan modification & our house was saved. 1st. our interest rate dropped to 2.00 percent instead of 6.375 percent. 2nd. our house payment was lowered to a fixed monthly payment of 1,227.00 PITI instead of 1,875.00 PITI. That's a savings of 648.00 a month. We are currently on what they call a 3 month trail payment period & we start as of 4-1-2012, 2nd. payment, 5-1-2012, & 3rd. payment, 6-1-2012. They did exactly what they said they would do. We highly recommend CDA Law Center if you need help, don't wait!!! Thanks guys & Keep up the good work!!!!
Success! Thanks to Ryan and Paul
Let me start by saying that this process isn't easy. You have to be a willing participant in your case. If it was easy, then everyone would do it. You need to be readily available, have your documents together and be willing to do some work. But with the help of CDA, it can be done. It's not cheap either but if you look at the overall savings, it's small change. My husband lost his job and we weren't able to re-finance, so we tried the HAMP program ourselves directly with Wells Fargo. We were denied twice. The first denial was because we made too much money, the second denial was that we didn't make enough money. That's when I called and spoke to Paul Young from CDA. I highly recommend him to get you started with this process. Paul knows his stuff, is always available and really made us feel at ease. He was so comfortable with the process that it originally made me nervous. Could they really get the home modification for us? We were nervous, scared, frustrated and ready to pack our belongings in preparation for a foreclosure. But we listened to Paul and followed through with CDA. Paul set us up with Ryan Jacobs as our negotiator. Ryan is the guy that makes it happen. He is always on his phone speaking with the banks negotiating and getting the job done but he always called us right back. He was also excellent via email and made it easy to communicate our concerns and questions. As I'm writing this, I cant believe it actually happened. We had a bad loan 7.125% ARM with a payment of $4,615.38--Ouch!!! CDA got it down to around 2.5% for a total savings of $1500 per month! Ryan has some great relationships with the banks that he works with and really knows what he's doing. I highly recommend CDA and especially Paul Young and Ryan Jacobs. The best review is an actual referral and we did just that. A good friend of ours is calling Paul today to get the process started.
CDA Law Center saved my home!!
In December 2011, our family was in a desperate situation. I had been trying to get a modification from IndyMac for one year without success and they posted a sale date on our property just before Christmas. Throughout the previous year, I had sent them many modification packages which they lost. The few times that they received them, we were denied both times... one time for making too much, and the other time for making too much, even though our income was the same! It seemed I could never talk to the same person twice, and they just didn't seem to care about helping me. When I got the sale date posted on my property, I decided to look for professional help. I heard from many friends and family members that we should be really careful hiring a firm because of all the scammers out there. We contacted CDA Law Center and a gentlemen by the name of Todd Jarrett answered the phone. Todd spent about an hour on the phone with me obtaining as much information as possible about or situation and told me that he would let us know if he could help us. About an hour later, Todd called us and informed us that we did actually meet every guideline for a HAMP modification. He told us our new payment would be $2,150 at 2% vs the $3,490 payment we were currently obligated to pay at 6%! It really sounded too good to be true... after talking with Todd at that time, I did some extensive research on CDA and found hundreds of positive reviews, but was still skeptical. Todd then sent me a list of clients that got modifications through him and I actually took the time to call four of them. Every client pretty much said the same thing... they said that Todd helped them through the entire process and that he was always there to answer questions, and then I started to become more comfortable. We decided to hire CDA Law Center with our sale date only three weeks away. Soon after signing up with CDA, our case was given to Jacklyne Davis, who would be our negotiator. Jacklyne informed us that if we got her the necessary paperwork in a timely fashion, that she would be able to postpone the sale date. Within a week, the sale date was postponed until February 21, 2012. We are self-employed and really had no idea of how to show our income to IndyMac. Jacklyne assisted us with that as well. Everytime we e-mailed or called Jacklyne during this scary process, she responded to us right away. She is obviously dynamic in her understanding of the loan modification process and how to put together a package for the lender much better than I was ever able to. It was a real scary time for our family with being in the house more than 20 years and the possible embarrassment of losing our home. Jacklyne assured us doing the entire process that our chances were excellent for a modification and said that she didn't see any reason why it wouldn't be approved. On February 3rd, we received a package via Fed-Ex from IndyMac. When I looked at the paperwork, I could not believe my eyes... I was approved for a 2% HAMP modification!! Todd had estimated the new payment would be approximately $2,150, the actual modification was for $1,987 and we got a $110,000 principal reduction!!! It may have been one of the happiest days of our life. We got to keep the home we love with a very affordable payment. I would like to thank Todd and Jacklyne for their hard work and professionalism. And I would also like to thank them for staying in contact with me during the entire process and keeping me reassured at all times. I would recommend CDA to anyone needing help with a modification.
When I thought we were going to lose our home. CDA Law helped us save it.
We had been struggling with financial and medical problems for the last 2 years. We decided to give CDA Law a try, and after 1 year, they were able to reach an agreement with Wells Fargo Mortgage. We thank Ryan and David for guiding us in every step and working so hard to save our home. Now were are recommending them to people who are in the same situation we were in. Can't thank you two enough. But again, thanks a million!
Daniel & Maggie N.
After trying for two years to get my bank to agree to a loan modification, I finally contacted CDA Law Center upon the recommendation of a friend. I went through the loan modification process recently, and it is not an exercise for the faint-hearted! It now makes sense that something so full of red tape and money would be cumbersome; it took almost a year from the first conversation and the final documents, but was worth every agonizing moment once I found out how much money I would save on my mortgage payments and interest, and I felt the sense of relief that I would be able to keep my home. CDA is a very busy place, and I felt that there was sort of a rocky start, but ultimately I received very good and knowledgeable service. They were able to answer my questions thoroughly enough to allay my apprehensions and keep my nerves under control until I learned of the excellent outcome. I now recommend their services to anyone who needs help.
CDA Law Firm
Do Not use CDA law firm. Christine is incompetent and uncaring. They took our $3000.00 to start our hamp application. Wells Fargo did not even know we had an attorney. When the Modification was in the underwriting stage it shut down because we were missing a document that we had submitted to CDA, but " they never got it" and they never told us that until 3 months later. They do not return our calls and have stopped helping us. We could have used the money to make the house payments. The Salesman Anthony was very nice and convincing. He is either very misinformed or is on a commission basis.
CDA Law Center is the best!!!!
CDA Law Center has a smooth process from start to finish thanks largely to the efforts of two very professional and very pleasant associates,Gary McPeak and Suzie Bryant. Gary introduced me to CDA Law Center and some of my options with them. Gary promised from the beginning if CDA Law takes your case you will have a successful outcome and he was right . My new interest rate of 2% was secured for us by our negotiator, Suzie Bryant. With Suzies effort on our behalf and handling of all paperwork with intensity and accuracy was a welcome relief for us. With our new interest rate of 2% we save 486$ a month. Our deepest thanks to Gary and Suzie for everything they have done for us.
A Five Star Modification
My experience with the CDA Law Center was a great one, I am able to get better rest at night because they have delivered all that they felt they could in acquiring my home Modification. My family can remain in our home with a loan that is affordable. I was a little nervous about spending the amount of monies that it cost, because of all the scams, but CDA came though and it was all worth it. Thanks Again CDA
The best decision I ever made
We bought our house in the Spring of '06, just as the housing market was starting to crumble. We put more than 25% down, but we were repairing our credit and it was not a great loan, with a high interest rate and a further rate hike scheduled in 5 years. We knew we needed to get out of the loan as soon as we could refinance, but by the time we were in a position to try, we'd lost all the equity and were not able to get a new loan. With the 5 year anniversary rate hike looming, I tried to contact someone at the bank to discuss the situation. They had sent letters saying that the loan was about to change and that I needed to make plans and listing a phone number to call. We had been working hard to repair our credit and had kept up with the payments. We were not delinquent, but we wouldn't be able to keep up with the new payments. I was hoping to find a way to get our loan "fixed" or "re-worked" - I didn't know what to call it. I called the bank and called and called and called. I could never speak with anyone. Messages were not returned. After a while, I went in to a local branch and explained what I was trying to do and asked for help. The very helpful branch manager tried for an hour, calling other numbers when the one on the letter lead nowhere - with no luck. At that point I gave up trying to talk to the bank and started poking around on-line to see what I could find. I knew I couldn't be the only one with this problem and there was a chance someone else had figured it out. I needed to find a way to get the bank to listen to me. I read every blog and chat discussion I could find, and I came across the CDA Law Center a few times. They seemed to have a good reputation, but I was cautious. I guess there's lots of opportunistic schemers eager to prey on people in trouble and I didn't want to be duped by one. I investigated on-line about CDALC and spoke with Todd Jarrett on the phone and it all seemed good. At the time, I felt like I was taking a risk, but it was risk taking time; I was boxed into a corner and I figured CDALC was my best chance. So I engaged their services. Crystal Oropeza handled our case. Not only did she handle the negotiations and the endless requests for documents, but she had to hold my hand (over the phone) and calm me down when some delay or deadline or other calamity sent me over the edge. I won't go into all the details, but the entire process went on for almost 13 months. Denials, re-filings, department re-shufling, new programs, legal mandates... It was a very difficult year. I was tense and irritable - a lot more than usual - and worried that it would all blow-up and we'd loose the house. Well, thanks to the hard work of the CDALC and some luck, WE WON! The bank has agreed to a new much better interest rate, forgiveness of our current arrearages, AND most amazing of all, they are forgiving $108,000 of the principal! Fantastic! We are now in a financial position with our home that is as good as, or perhaps better, than if we had gotten a good standard 30 yr mortgage in the first place. Based on the Zillow guesstimate of the value of the house, we went from about <-$10,000> in equity to about +$98,000. We feel like we won the lottery. This is not easy. There is no way I could have accomplished this, myself. It took the experience and professionalism of Crystal and Todd and the rest of them in the office to beat the bank. Beat it they did - and I am grateful. If you are reading this you might be about where I was at the beginning of last year, worried and trying to decide what to do. Know this: CDA Law Center is for real. They know what they are doing and you can trust them. Thanks Crystal and Todd et al, for helping us keep our house. Thanks very much. Jeff Williams
CDA LAW CENTER: An Honest and Trustworthy Lawfirm
If you are thinking of retaining CDA Law Center, PLEASE do so! We are so happy we chose to retain CDA Law Center. CDA is the real deal! Thank you so much CDA for helping us save our home! Our Sr. Case Manager Paul Young, was such a wonderful help! He has been there for us through this process and it was very comforting to know that if we had any questions, he always had the correct and honest answers for us. Our Processor Crystal Oropeza, did an Awesome job! She was always very helpful in letting us know what she needed from us and we always made sure we got it to her as soon as possible. She worked very diligently on our case and she helped us with any questions we had! Crystal was great at keeping us informed on what was happening with our case. Both Paul Young and Crystal Oropeza were great in explaining everything to us and they were a pleasure to work with! I haven't been able to find work, my husband is the only one working. He works in construction and for the past few years it has been slow. He hasn't received a raise in a few years and with the economy failing and the cost of living rising it has been tough financially. Every month our savings have become depleted. We were skeptical about hiring a lawfirm to save our home after hearing of many horror stories about lawfirms that scam people. We knew we had to do something about our situation because we fell three months behind in our mortgage payments and with our bills piling up, it was very scarry to think we may loose everything we worked so hard for. We were under so much stress and sick about it. We had a hard time sleeping and we found that our finacial struggles were consuming our every thought, it just felt like the weight of the world was on our shoulders! We have two teenagers and in two years one is going to be going to college and our financial situation would be even more strained. It was very depressing to think that we wouldn't be able to send our child to college in a couple of years. We did some research and we found CDA Law Center, so we decided to give them a call. That was one of the BEST things we have done! After talking with Paul Young, he gave us some information about CDA Law Center and told us to research it further so that we would have the best understanding about what CDA Law Center is all about. In the meantime, he took down some information from us(nothing to personal)and was able to let us know if they would be able to help us. We took the weekend to research and thought about it, we came to the decision to retain CDA Law Center. I will say it again..."This was the BEST decision we made!" From the time our complete file was submitted(Crystal Oropeza made sure our file was COMPLETE, all the i's were dotted & t's crossed!)it took 26 days for our APPROVAL with Bank of America!!! Our interest went from 5.75% to 2.00% fixed and our monthly payment went from $2,543.45 Principal, Interest, Taxes & Insurance to $1,556.92 Principal, Interest, Taxes & Insurance. A savings of $986.53 a month! We could NOT have done it without CDA! Please call CDA Law Center today, their honesty and hard work really can be a positive life changer for you! To everyone at CDA Law Center who had a part in helping us through this time of hardship, we really want to thank you for all your hard work and dedication you have put into acheiving success with our case! Sincerely, Shawn and Sylvia Fleischmann
Thank you Paul Young & Suzie Bryant !
After everything is said and DONE, YES WE'D DO IT ALL AGAIN!!! Paul was there to answer every question we had regarding refinancing our mortgage and Suzie treated our case like it was her own. We were hesitant about going with CDA Law Center, but after Paul challenged us to review their videos and read the reviews, we felt we weren't falling prey to a scam. Our mortgage was $2,067.55 principal, interest, taxes and insurance. After they helped us apply/process our application thru CDA Law Center our mortgage is $1,436.54 principal, interest, taxes and insurance! We went from 6.50% to a flat 5.00%. I am a self employed businessman, struggling the last few years along with our struggling economy, but to top it all off, my wife lost her job! For the past few years between the 2 of us we've gained over 50 pounds, experience many a sleepless night - and then Paul Young and Suzie Bryant assured us they could help our situation, and HELP THEY DID!! Upon receiving our confirmation email, followed by phone calls by Paul & Suzie; we felt "skinny" even though we're still packing those stress pounds we put on. Thank you, thank you, thank you!!!
CDA was there for me...They were Informative, Helpful and Available
I would like to thank Gary McPeak and Suzanne Bryant with the CDA Law Center for their assistance. Their knowledge of what paperwork had to be filed, the terminology to use and working with my mortgage company was extremely helpful. Gary had called and after discussing my situation, he explained they would be able to help me get a loan modification. At the time, I had little knowledge of what was available and/or how the process worked. I was given the names, direct phone numbers and e-mail addresses of who would be helping me. When late in payments the phone calls can be relentless. So, when I needed assurance along the way, they were always available to answer my questions. With Gary and Suzie’s guidance and assurance I was able to lower the interest rate from 6.3% fixed to 2% for 5 years, 3% for 1 year and current rate (as of today) or the remaining life of the loan (which will be 3.75 or 4%). What that did was lowered my payment from $2,191 to $1,581. I felt it was a risk a first and I’m so happy CDA Law Center proved to me they were a reputable firm. I will recommend them to my friends and family.
Gary McPeak and Cristine Nicholls saved our home. They're professional, caring, and fast! They can help you too!
I was in a nightmare situation with my home loan at CHASE. I've lost count of the number of loan modification packets I had to complete over and over again. Not once did a "customer relationship specialist" call me or even email me. I was told to call back every two weeks. About every two weeks I would find I had been assigned to a NEW customer relationship specialist and had to start the process all over again. I dealt with 13 specialists in all...maybe more. I faxed in excess of 500 pages of forms and documentation to CHASE and still got nowhere. When I called CHASE, often I was transferred only to be disconnected. I was called by CHASE collections department everyday...about 4 to 6 times on somedays. In the over TWO YEARS I was trying to work with CHASE to help me work out an affordable home loan, they would tell me it could take up to FOUR years to complete. FOUR YEARS! I could not sleep at night. I refused to give up for what I worked so hard for...our home. I researched and found CDA. After meeting and talking with Gary McPeak, I trusted them and it was the best move I made. Gary McPeak and Cristine Nicholls worked so hard and kept me up-to-date constantly. CDA was professional, knowledgeable, reasonable and truly cared about helping people save their homes from foreclosures. There are many people I know who have lost their homes or have been scammed out of THOUSANDS of dollars by fraudulent agencies promising a loan modification. If only these people had found CDA and Gary and Cristine, they may have been able to keep their homes. Once I signed up with CDA, the harrassing calls from CHASE stopped. Gary and Cristine took over from there and made it all happen. I got the perfect loan modification COMPLETE in about 9 months. When I got nervous...Gary and Cristine would assure me and things were moving along. I know it's hard to be patient under such circumstances but it was worth it. Nine months and we have our home and a loan we can live with. We are saving almost $800 a month and that includes paying down the principal, too! CDA is a legitimate law center and you can trust them to take care of business. You can TRUST Gary, Cristine, and the entire CDA team. I HIGHLY recommend them to all of you reading this....if not for yourself for a friend, family member, or a neighbor. I can't stress enough to contact CDA today and ASK FOR GARY MCPEAK. Thank you again to Gary McPeak, Cristine Nicholls and the entire CDA team. I can finally sleep again...under our roof.
Gary McPeak at CDA did the impossible !!
I want to thank Gary McPeak and Jacklyne Davis for their great efforts to help me with my modification. I have to admit that I was about as skeptical as you can get going into this. I tried for over a year on my own to get help from my lender. I faxed in my paperwork 4-5 times and they seemed to keep giving me the run-around. After I was declined, I knew I needed some professional help. I talked to Gary and he told me within 5 minutes that I was a good candidate to get some assistance. I was behind with my mortgage and did not want to lose my home of more than 20 years to foreclosure. CDA guided me thru the process step by step continuing to reassure me along the way. Well, 3 months later I received the best news of my life !! They were able to lower my rate from 6% fixed to 2% fixed for the life of the loan !! They lowered my payment from $2,934 to $1,927. These savings are truly life changing for me and my family. I'm so glad I put my trust in them to get this done. It is so nice to know that there are reputable firms like CDA helping honest hard working people stay in their homes ! I can't thank them enough ! I am telling all my friends and family about them. Sincerely,
After our son was diagnosed with juvenile diabetes, his medical expenses put a huge strain on our budget. Additionally, as the cost of living went up, so did our use of credit cards just to get by. Our house payment of over $2,800 per month became completely unmanageable and we were also facing bankruptcy. Last summer, we started the modification process with NACA, but we were denied. We tried again on our own and were denied again. As a former police officer, I was very skeptical of hiring anyone to do our modification, but we felt we had no other choice. I'm glad we found CDA Law Center. We hired them last fall and our modification was finalized this month. Our new monthly payment is just over $1,600 (PITI). We are saving close to $1,200 per month, keeping our home, and no longer facing bankruptcy. Paul Young and Suzie Bryant helped us throughout this process and did a phenomenal job for us.
CDA Law Center Excellence in Service
After attempting to get help from our lender for several years, I was becoming very skeptical that anybody would be able to help with our mortgage problems. Finding CDA Law Center was a god send. Both Gary and Suzie were extremely helpful and we got the mortgage relief we were looking for. We finally felt like we had somebody working for us. Suzie was patient and compassionate to our issues. She kept us up to date every step of the way. We were told exactly what was required of us, what we could expect from the process and how long the process would take. I couldn't be happier with the process and outcome. Thank you Suzie and CDA.
CDA Law Center was a lifesaver for me! Worth every penny!
I whole-heartedly recommend CDA Law Center for assistance with Loan Modifications. I was extremely wary about hiring someone to help me, but heard horror stories about trying to do a loan modification myself. I am so happy I found CDA Law Center. They handled everything and I had a very fast turn around with a huge success. Because of the experience and expertise of CDA, I just found out that I can now stay in my home and I have affordable payments! Hooray! I have no complaints.
My home was saved Thanks to Crystal and Justin!
I was layed off for two years before I found employment. I knew I was going to be layed off because the company was getting sold. I informed BofA (I was a product of Countrywide)the situation and they stated, no worries, call back when you no longer have a job. I did, told them that my pay went from $4800 a month to $1800 a month on unemployment. Because I was current they wouldn't do anything for me. I went to a NACA rally and they were able to suspend my mortgage payments for 4 months, I paid anyway, confident I would find a job. I didn't want anything to put my credit in a bad light while I was looking for work. I kept notifying NACA, and BofA kept turning me down. I was still making my payments, for a year while unemployed. Finally, I couldn't make them anymore. NACA was still unable to help me. I notified Making Home Affordable and they stated that I qualified for a reduction, over the phone. I received a letter from them and they turned me down twice. By then I hadn't made a house payment in over 6 months. I went to a Real Estate Attorney who told me to dump the house and walk away. I paid that Bozo $180 for an hour long session for him to tell me that. Then he notified realtors and the letters started coming in to do a short sale instead of foreclosure. I did my homework and decided that I did not want to lose my home. I started looking for companies that specialized in Loan Modifications and found the CDA Law Center. I talked to Justin Dickson who gave me the whole process, step by step. He was ALWAYS a professional. Crystal Oropeza is a true gem. They couldn't possibly pay her what she's worth. She was in constant contact with me via email, a few times on the phone and I always knew what was going on each step of the way. She is also a professional with a very calm manner, even when I freaked out when I got my first sale date for the house, Crystal always calmed my nerves. When you pay money that you really can't afford, I did this transaction over the phone and emails, site unseen. I wasn't sure if they were legit or not, THEY ARE!!! You here all the horror stories,and I wasn't confident going in. Because I had just started working again and BofA still wouldn't help me, until I contacted the law center. In the end I was given a $112,371 principal forgiveness. My payments went from $1,632 to $1,153. I am currently in a trial modification and I don't have any doubts that I will have a permanent modification. Crystal and Justin are the best. Crystal worked her a*s off so that I could keep my home. I will be forever grateful to both Justin and Crystal for going above and beyond, in my opinion to save my home. Also, I have had 3 sale dates, two have been suspended. I have another one pending in June. I am confident that will be removed as well. If you have doubts like I did, don't. RUN to the phone and ask for Justin Dickson. I did this process as a single woman, you can too!
CDA Loan Modification
CDA Law Center did a great job with our loan modification. Gary McPeak and Jacklyne Davis were especially helpful and knowledgeable and were always available when we had questions or needed an update on the status of our loan mod. They put us at ease and successfully guided us through what could have been a very nervous time for us. The results were great,as of May 2012, our monthly payments are down to $2,345 from $3,349 and our rate was reduced from 6.625% fixed to 2% fixed. We could not be any happier. Thanks guys, you did a great job!
CDA saved our home
In August 2009 we started a loan modification with a company called AVID Law Center. After a year and spending $3500 for them to negotiate with Bank of America it failed. Desperate for help and not wanting to lose our home we paid another company,Josegan Financial Center, to see if they would be able to have B of A work with the modification of our loan. Six months later, and $2500. out of our pocket, we were no longer able to contact the company by phone, email or letter. They were no longer in business. In the meantime, we were in contact with B of A every week trying to work out any type of loan modification we could. This was very time consuming because with every contact with them I always had to talk to someone different. Our loan request was being transferred to a different department or person, monthly. We never talk to the same person twice and nothing was ever resolved. We were constantly sending in paperwork to different people and it seemed to disappeared. This frustration went on for a year until I received a called from CDA Law Center. November 2011, Ray Ghamsari, Senior Case Manager with CDA called and explained what his business could do for us in detail. Because we were burned before by other companies claiming they could help, we didn"t want to waste more time and money on another scam. We were able to speak with him in person and other co-workers there to see that this business was legitimate and not just a scam that we have debt with before. To begin with, only a partial payment was due at the start of their service. In fact, we were told that if they couldn't help us get our loan for some reason, we would not have to make a final payment for their services. We then were in contact with Susanne Bryant, Senior Negotiator at CDA who worked our case. Our biggest fear was waiting to see if we qualified or not because things were going so smoothly. We did not have to send paperwork in every week the way we had to before. Suzanne and Ray would call us to update and advise us with all negotiations we all had with the bank. This was something we were not used to dealing with. The previous work with just took our money and disappeared. Within five months and not years, we now have a new modified loan with B of A,savings of $800 per month. Our nightmare is finally over. Without the legal help of Ray Ghamsari and Suzanne Bryant and all employees involved at CDA Law Center we would have lost our home. This would have been our final try to see if we could get any help with our loan. With us being retired this should be a happy enjoyable time of our lives. That wouldn't be possible without our home. We appreciate and thank you all for making it so.
CDA Law Center performs!!
The CDA law center and my initial contact David Vaughn were open, honest and really knew what was going on in the "loan modification" business. The cost of their service is very reasonable when you understand how difficult and time consuming the process is. My senior negotiator, Christine Nicholls-Jacobs was, I believe, the key to my successful loan modification application. She even had to help the bank's agent understand the rules in order to achieve the outcome we wanted. This is a first class professional organization and I highly recommend them!! Craig Clark 619-287-4855
Thank God for CDA Law Center
I have no words to thank enough Paul Young and Ryan Jacobs. They worked so hard to make my loan modification a reality which at times seemed just a dream. Specially after being denied by my bank twice: first time they said too much income and second time not enough income. I realized that as long as I pay them on time and I do not have a real estate lawyer, nothing will happen. I was desperate and had no choice but to find a lawyer, then I found CDA Law Center. I was very skeptical and scared because I did not know who they were. My mortgage payment was $2,776 a month; the only way I survived for 4 years was because I worked a lot of overtime until my employer cut the hours; my income dropped by $800 a month and also I retired from the U.S Navy Reserves, that is $450 a month I lost since I do not get pension until age 60. We have struggled for the last 2 years so much. It was so difficult that sometimes we bought groceries and gasoline with credit cards which I charged $26,000 to present; I drained my savings and made 3 loans to 401K savings plan for $16,000 until I could not go any longer without help. My wife got depressed and she is now on medicine; she can not find a job either. I bought my house in 2005 for $400,000 put $80,000 down and spent $25,000 in repairs for a total investment of $105,000 this is how much I had to lose when the bank threatened to foreclosed my house. So I talked to Paul Young and he told me how long and nerve wracking the process can be. About half way in the process my sister talked me into calling a HUD counselor because it is free and they "help you" she said. They did not even tried to help and also sent a copy of the interview with my financial information to the bank without my consent or even telling me. Then I decided to tell Paul about it and he said it might affect the outcome of the modification and to never talk to anybody else about my finances. But he also asked me if I do not trust them and to let him do his job so I could be the next person writing a review about CDA. And here I am, after 5 months: Paul Young and Ryan Jacobs thank you so much for saving my house from foreclosure and getting me great loan modification that really is going to change my life and my family's for better. They reduced my mortgage from $2,776 to $2,180 with escrow through the making home affordable, interest from 5.25% to 2.00%. Savings of $596 a month, $7,152 a year and $121,584 in interest during the life of the loan, 17 years. My brother did a modification by himself and yes, the bank reduced the interest rate but increased the loan term from 20 to 30 years. Anybody who reads this review, feel absolutely confident that CDA Law Center is for real, they get the job done and they are nothing but a team of professional lawyers who will listen to your concerns, treat you with respect and get you the results you expect or even more. Paul Young and Ryan Jacobs, thank you so much for your patience and understanding and all the hard work and dedication to my case. I am very pleased and thankful for the excellent modification you guys pulled. Ryan Jacobs is the best negotiator CDA has; thank you again. Sincerely Hugo R.
Suzie Bryant, Ray Ghamsari & CDA Law Center - 5 Star only because there is no 6 Star
We can’t begin to describe the high level of professionalism and expertise that we experienced in our dealings with CDA LAW CENTER. From starting the process in Oct “11 until receiving our Loan Modification in April, the staff at CDA was there for us through the whole transaction. After hearing the horror stories from others trying to get a loan mod on their own plus the newspaper reports of fraudulent operators, finding CDA was a stroke of great luck. Special thanks & laurels go to Suzie Bryant-Grijalva, the negotiator who submitted and followed our application. Her responsive communication kept us informed throughout the process. It was also very evident that she was personally interested in our case and really cared about achieving a positive outcome. In addition, we also have to say “thanks a million” to our Counselor, Ray Ghamsari for his guidance and support in the beginning of the transaction all the way through to the end. Again, it was evident he truly cared about us and the outcome of our case. Despite all the resistance from the banking industry, CDA is obviously very much in tune with what it takes to make this work. Our advice is to not try this on your own – Use an accredited expert – CDA LAW CENTER
Paul & Marie R.
This is Vivian Gutierrez, I have just been approved for a loan modification. I am happy and grateful to Ray Ghamsari and Suzie Bryant-Grijalva and the staff at CDA. My Mortgage is with Citimortgage. Our first meeting with Ray was very informative. Two of three children were with me. We were very pleased to meet other attorneys from the firm. Mr. Scurrah also came in. He had a very calming and reassuring presence. Every question we had was answered. Mr. Ghamsari also explained the process we would be going through. All my children and I were very worried about the circumstances of our home. I had previously applied for a loan modification. At that time we had been in our home for 23 years. My husband passed away suddenly in 2008. I managed the house payment for a while. But with the loss of my husband’s income things became more difficult. Then our main sewer line needed to be replaced. That caused me to get further behind in my house payments. This really was a very bad situation. I was so scared of losing our home. Ray and Suzie walked me through all the paper work and handled speaking to the mortgage company for me. This was so helpful because when I had applied, the paper work kept getting lost and when I would call in for an update or question, no one would have any current information. This was very upsetting, after giving them all kinds of reference information. One thing that happened was a set of very important paper work was being handled by a person who seemed very responsible. She told me this was the final paper work to go to review, call back in two weeks. After a very long two weeks I called back and refreshed her memory. She gasped and said she had forgotten to turn in the paper work before she left for vacation. I was disheartened and really disappointed (but I stayed calm). My experience with Ray and Suzie was unbelievable. They dealt with the mortgage company through the whole process. They remembered who I was and my case. If I had trouble understanding something they would explain it to me. Summing it all up I was still scared. But the way Ray and Suzie kept me in the loop this was reinforcing. One of them would call me once a week or email me latest standing. My old interest rate was 5.875%, my new interest rate is 2.00%. CDA Law Center is saving us $783 per month and allowing us to stay in our home that we owned for 23 years. By all means my family and I (especially my son with two young boys, who live with me) are so grateful to such a fine relationship and work ethic by Ray Ghamsari and Suzie Bryant-Grijalva. Thank You!! Vivian Gutierrez
Great loan modification
We had no where to go when my wife found CDA Law Center on line. We were at first hesitant as there are many scammers on line. After talking with Gary McPeak of CDA we decided to give them a try. Crystal Oropeza took over our case and worked directly with the bank that held our loan. We were hoping to reduce our payments from $1,050 down to $650 a month. We just got our modification and it was amazing. Our payments were lowered to $581 a month and our loan was reduced by $90,000+. they also took us out of a negative arm to a 2% fixed rate. Any time we had a question Gary or Crystal was there to help. I would recommend CDA Law Center to anyone that is looking for a loan modification.
90 days and it was DONE!!!!
What can I say: I got a wonderful call from both Gary McPeak and Ryan Jacobs informing me that the loan modification had been approved. I am extremely impressed with this companies follow through, professionalism, and supportive attitudes towards the handling of my situation. I was making payments on an 6% interest only loan. This payment along with the increased cost of living and hours being cut at work were creating a very challenging financial experience for me. I can proudly state that I now have a 2% loan which includes PITI and a lower monthly payment. Let me also mention that the company completed this process for me in 90 days... When I tried the modification process on my own it took more time than that just to be given the run around which resulted in a lack of any form of progress. THANKS AGAIN FOR EVERYTHING. $1,965 PITI to $1,487 PITI
Loan modification approved, thanks to Gary McPeak and Jacklyne Davis
My husband and I were very skeptical at the beginning of the process and when Gary explained to us that, considering our situation, the rate of our loan could be reduced from 6.75% to 2% fixed, we both thought: This is too good to be true...Anyway, we decided to go for it, take a chance, and we provided all the information and documents that CDA requested from us. We also stopped paying the mortgage and this was quite stressfull. Well we just received last Thursday the approval from Chase and the rate has been lowered at 2%. We were paying $3,002 (property tax included) and from now on we'll pay $1,775, a saving of $1,200 a month! There will also be a reduction of the principal. This is big news for our family and we really thank CDA Law Center for this, especially Gary McPeak (Thank you for your perseverance!) and Jacklyne Davis who was very diligent on our case and efficient, judging by the results! Hiring CDA Law Center was certainly a good choice. The way they present a case to the banks is totally different from what other firms are doing and I would say that doing it yourself is NOT the best idea. You need an outsider AND a professional to be able to present the best possible case. We know it because we tried twice. The first time, we had a reduced rate for only 2 years and the second time, we were given the run around to be denied at the end after a few months for not providing documents (no mention of which documents were not provided..). Our bank did not take us seriously and this triggered our search for a competent law firm, specialized in this field. In conclusion, we are happy to have found CDA Law Center and highly recommend them.
Sincere Appreciation !
Rachel and I would like to thank the staff at CDA Law Firm,in particular,Suzie Bryant for all the hard work they did in order for us to obtain our loan modification. We were able to get a lower monthly payment and a much reduced interest rate!! We are sincerely thankful to CDA for all the hard work put forth to make this happen!
Thank you, thank you CDA Law Center!!
My husband and I purchased our home in Hollister, with a loan from PNC bank. We put $200,000 down and made numerous renovations. Needless to say we were emotionally and financially attached to our home. We found ourselves upside down; and incurred a decrease in our incomes. Due to these circumstances, it became incredibly difficult to make our monthly mortgage payments. We exhausted all of our savings and ran up credit card debt in order to keep current with PNC Bank. We contacted PNC, they said that we did not qualify for a modification because we were current on our mortgage payment. We pleaded for some type of assistance, after much run around; we were told that they would send us an application for their modification program. Finally, the modification package arrived; however, according to the paperwork, our time to file had already expired. After continued run around, we realized that we were not going to get any help from PNC. We thought our only options were either a short sale or foreclosure. One evening in Dec. 2011, my husband received a call from Ray Ghamsari of CDA Law Center. He related that we should be able to qualify for a modified loan and that CDA could help us. Initially, we were a bit skeptical as we had never heard of CDA Law Center. After doing a bit of research, we felt comfortable with moving forward with CDA’s assistance. Ray was extremely informative, professional, and wonderful to work with. He basically “held our hand” remotely through the entire process. Once our “paperwork” was complete and ready to submit to PNC Bank, we were introduced to Jacklyne Davis. Both Ray and Jacklyne were amazing as they treated us as if we were their only clients. They were always reachable and if a message was left, it was returned almost immediately. We would like to note that in order to qualify for a modification; we had to stop payment on our mortgage. This was a stressful concept for us as we valued our strong credit score. However, we realized that our other options: short sale or foreclosure would result in a deeper reduction in our scores. We realized that once the modification was complete, our credit would be back on track and our FICO scores would continue to rise. We are thrilled to report that after several months, PNC notified us that we qualified for a loan modification. We were paying $4,100 per month (including property taxes and insurance) for an interest only loan. After the modification, we are saving almost $1,000 per month! In addition, our new loan includes principle payment too! This modification would not have been possible without the assistance from Ray Ghamsari , Jacklyne Davis, and CDA Law Center. I would highly recommend utilizing their services if you are looking for a home modification program!!
Saved my home.
My mom is 90 years old and was widowed 8 years ago. My husband and myself moved in with mom as she is on a fixed income and was having a hard time with household expenses.About 16 months ago my husband was in a accident and has been unable to work. The mortgage was at 6.875% which made the payment $2020. that did not include the insurance of 800. We were behind in the payment when we talked to Gary McPeak about a modified payment. It was scarey because we had talked to people that had been scamed. Jackie Davis was the person that worked with us and got us to do the paper work necessary. After a few weeks we are not on a 3 month trial peiod. She got our loan down to 2% and the payment is $1016. including taxes and insurance. Gary and Jackie worked very hard and was honest the whole time on our loan. Thanks again to them for saving my moms home of 28 years.
I just got my loan re-modified. I am so happy. This is a life saver. I had a terrible loan. A five year interest only loan with the rate changing every year. It had gotten to 4% and my payment was $4014 PITI and thanks to CDA Law Center they got it down to $2783.77 PITI and 2% interest and at a fixed rate. That's a savings of $1230.00 a month. I want to thank Suzi Bryant and Gary McPeak for helping me get this done. They are professional and know what they are doing. I would recommend CDA Law Center without hesitation. Harold Wright
Non FHA loan loan mod success.
I want to thank Ray Ghamsari and Suzie Bryant-Grijalva (negotiator) for successfully modifying our $911,000 non FHA loan that was underwater. After trying for 6mo to do this myself with Chase, I was told we "make too much money" and did not qualify for HAMP. We used all our savings to keep up with the payments and now my husband was on disability. I was really mad about it and I was desperate to find a law firm who could help. When I found CDA, I knew that they were professional and honest by the way Ray helped explain the process to me and handled my paperwork. I hired them in March 2011 and I have my loan modified with a letter from Chase saying my 1st payment will be April 1, 2012. It took about 1 year from start to finish. I told Suzie, who did our negotiating, that I wanted to wait to write the review until I was sure everything worked out. Here are the details: Our loan was $911,000 interest only 5.875% payments $4463/mo with out taxes and insurance. They were unable to reduce the principal, but my loan payments are now $3050. (w/o taxes and interest), 2.375% interest and goes up to 3.875% after 7 years for the life of the loan. This includes principal and interest. This saves me $1400 per month. I was seriously thinking about walking away, but this makes it workable. I recommend them 100%. If you think you are not eligible for a loan mod, call them--you will be surprised that you can do one even if you have a high mortgage and the bank said no to you the first time. Thank you again, Suzie, for your patience and hard work.
CDA Law Center is an answer to one of our prayers
After one Law firm informed us that our case is not fit for a loan modification, I started researching through friends and the internet. One night after saying my prayers, I went online and found CDA Law Center. It did not take more than 24 hours and I got answers from my questions. I received a call from Mr. Valentino Adams the following day. He was so sincere and friendly. He tried to answer all my questions. On October 2011,I entrusted our case with CDA Law Center. Ms. Christine Nichols together with Mr. Val Adams were so patient, diligent and prompt in updating us with the loan modification progress. In less than 5 months we received a good news from Ms. Christine Nichols about a loan repayment agreement with GMAC. With Principal, Interest, Tax and Insurance included we will save $ 1200/month for our mortgage. What a RELIEF! Thank you so much to all the staff of CDA Law Center again with special mention to Mr. Valentino Adams and Christine Nichols. You are a true advocate. I will definitely suggest CDA Law Center to anyone who need assistance with their mortgage/loan modification. The staff were very professional, knowledgeable, diligent and friendly. They will treat you not as a client but as an individual.
Successful Loan Modification
The modification process was very stressful, but with the service I received at CDA Law Firm. I would like to especially thank Susie Bryant and Gary Peak for their kindness and making me feel that I was a partner during this process. I started with a 6.875% rate, with a $2500 dollar interest only monthly payment. The full PITI was $2781 monthly. My new loan is 2.00%, with a fix monthly payment of $1448. I know this would not have been possible with the support and personal attention received by my partners. I'd like to offer my most sincere thanks to the entire Law Firm Cheryl Simmons
Refinance - Home Loan
I had misgivings, I impulsively signed up prior to reading any reviews of the company and was dismayed to read some things that I myself was in the middle of. But woo hoo here we are, I just received notice of my 3 month trial. My trial payment is $2,102.38 a savings of $938.62 per month. It may even be better as I think this includes my Home Owners Insurance ($68 per month) and my Property Taxes ($556 per month). Both of these paid yearly, but I struggled each month to set that amount aside to cover them. Special Thanks to Gary McPeak who was my initial contact and so patiently explained the program to me. And Jacklyne Davis who gently prodded me to get my papers together and submitted in the proper format. Thank you both for your diligence and support. But keep me in your prayers as we still need a positive outcome at the end of my 3 month trial. Sincerely, Marie Goodridge
CDA is #1 without a doubt! SUZIE BRYANT ROCKS as do Walt Procter & Lorraine Whitfield!!!
Do you feel like either you've lost or are losing everything? Hey, you have come to the right place. My story: lost my job, couldn't get unemployment (worked for a church), was 70 years of age, lost ALL my money in the stock market,& was going into foreclosure on my house because I couldn't pay my mortgage. I knew I could make money on the Internet because I had before but I needed time which I didn't have. AND I vowed I would not lose my childhood home. Called CDA, talked to Walt and he said in a very reassuring voice that they could help me. I thought he might be a little crazy to say that but I believed him. Glad I did. After Walt got my information, he turned me over to Lorraine. I'm sure there were days she wished she had never heard of me because some of the paperwork she needed I had to dig to really find. But, she stuck by me and we got it done. Now we come to angel Suzie. By now I'm in foreclosure and having sale dates put on my house. Friends are telling me that I'll never get a loan modification. It's all a scam. You better sale the house or go into bankruptcy. Couldn't do it. Believed in Suzie. SHE DID IT!!! I've got the loan modification (2%) and the mortgage payment is $900.00 less/month. I start my 3 month trial on April 1st. So, listen. Don't give up hope. It's great to have the stress off my shoulders and again I thank Walt, Lorraine, & SUZIE.
CDA Law Center saved my home after 2 other law firms failed
I have struggled for nearly 2 years with BOA to modify the terms of an option arm loan on our home. I worked with two law firms prior to contacting CDA. The first was unsuccessful and concluded that a short sale would be my best/only option, The second was actually shut down by the State Bar for illegal practice. Both cost me thousands of dollars and value time with respect to the risk of foreclosure. Losing our home seemed inevitable. In my last desperate attempt to find help, I discovered CDA Law Center. From the moment I contacted their office I knew I was in good hands. The staff at CDA was kind, compassionate and patient as they lead me through a process that not only saved my home, but improved our quality of life. Key members of the CDA staff including Justin Dickerson and Suzanne Bryant all but literally held my hand as we stepped through the process together. Given my experience with the previous law firms, I came in with a lot of anxiety and doubt. Justin and Suzanne went out of their way to patiently explain everything and assure me they had my best interests in mind. The hard work and commitment these individuals demonstrated made me feel as if I was their only client. Several months later and to my surprise I received a loan modification which; 1) Reduced my payments from $4659 to $ 2198 per month, 2) Waived all late fees and penalties and 3) Reduced my principal balance by $147, 844.00. CDA Law Center not only saved our home, but they actually improved my quality of life. Words cannot express the sincere gratitude we feel toward this firm. Thank you, thank you so very much for all that you’ve done for my family. Needless to say, I would highly recommend CDA Law Center. -Michael
Home Loan Modification
Since May of 2011, I've tried to get my home loan modification with my bank. For seven crazy months all I got from the bank is the run around. Every day, they called me with the same talking points meme. They even have it on their website you don't need to hire anyone to do it. They're there to help. Yeah, right!!! What a bunch of BS that was. I start reading and searching for more information and came acrossed Martin Mandelman website. (google for more info.)He has a lot of information and good articles all about the Banks and Home loan Modification. Well, I e-mail him and asked for a referral. He email me back and said to call CDA Law Center and mentioned his name. In November of 2011 I contacted CDA Law Center. In four months (March 12, 2012) time my HAMP has been approved. My old payment was $1871.12 and my new payment will be $1417.17 PITI. That will give me $453.95 a month savings and $5447.74 a year savings. With Justin Dickson and Jaclyne Davis, who made all possible for me,I want to thank you so much again for your outstanding hard work and excellent service to your client. I will difinitely recomend CDA Law Center to anyone who needs their service. Thank you guys!
A Life Changer
CDA Law, via Todd Jarrett and Jacklyne Davis literally changed our lives. After wasting the better part a year trying to get a HAMP modification though Indymac/OneWest, we were referred by friends to CDA, who in the space of 3 months were able to negotiate the following with our lender: Our total payment (including taxes and insurance) was reduced by 34% AND our principal was reduced by 19%. This represents a saving of better than $1200 per month for us, and literally makes all the difference in the world. We've gone from trying to figure out how to walk away from our home to being once again happy and secure in it. A huge weight has been lifted from our shoulders and I guess I didn't realize how large an amount of everyday stress it was to us until it was gone. Both of us are self employed which created additional challenges regarding paperwork, which CDA managed in stride, and I cannot thank them enough. I have recommended them many times to my friends and am very happy to do so here. Friendly. Professional. Extremely effective. Absolutely first rate.
CDA LAW CENTER SAVED US $437.00 PER MONTH WITH NATIONSTAR!
We are so pleased with our experience with CDA LAW CENTER. At the beginning we were so skeptical because after months of providing documentation, getting the run around and finally being denied two times for the HAMP modification program it was horrifying. At this point we were 7 months behind on our payments. We thought we had exhausted any and all of our options until we spoke to Gary McPeak who quickly and clearly explained their program and gave us all the reasons that we should try again. So we signed on, completed the preliminary process then we were assigned Suzie Bryant who was our brilliant negotiator. Suzie did not give up. She followed up with us exactly as she promised. Suzie always made us feel she was on our side the whole time knowing that she was going to get it done. Then we received the call. Our modification was approved!! Our payment went from $2,637.00 PITI to $2,200.00 PITI. Thanks to Gary McPeak and Suzie Bryant we can keep our home, our payment is so much lower and most important they did everything they promised to do. Thank You CDA LAW CENTER !!
Success after two long years of denial
After two long years of submitting paperwork to our lender to be repeatedly denied, I spoke to someone who referred me to CDA Law Center, having reported his own success. Even with that information, I was still skeptical. As we went through the process with Todd Jarrett, I felt comfortable that they would be able to accomplish what we could not. Our situation was extremely complicated and we needed some assistance to get through it all. Suzanne Byrant is extremely knowledgeable and her customer service is excellent, she always called and updated us as she said she would. We are happy to say that we finally have a positive outcome as we are currently on loan modification trial payments. This will save us quite a bit every month and now we are back on track with our lender. I would recommend their services without question. We are most appreciative!
A Big Thank You to Jacklyne Davis and the CDA Law Center
I must admit, I was very skeptical when I began this process. I think most people would be. However, I am pleased to say that on February 15 we qualified for the HAMP program and were approved for a three month trial plan with our bank. The efforts of Tim Shockey, Lorraine Whitford, and Jacklyne Davis payed off as our payment dropped by $1260 a month and we received a 2% fixed rate. I can't say enough about Jacklyne Davis our Sr. Negotiator she was extremely professional, thorough, and kept me updated during every phase. I also must praise her and Tim for their patience and understanding as I had a many questions throughout the process. They exceeded my expectations and worked very diligently on our case. My interaction with the employees of CDA Law Center allow me to say that I have no regrets and was left delighted with their service. Simply put they delivered what they promised ! I am pleased to recommend the CDA Law Center based on my interactions with Tim Shockey, Lorraine Whitford, and Jacklyne Davis.
CDA Law Center Review
I contacted CDA Law Center with much hesitation. I am truly a sceptic and heard horror stories about those with mortgage issues being taken advantage of by unscrupulous people. Todd Jarrett was friendly, informative, and so understanding that I immediately felt comforted. Todd had to reassure me many times during our contacts, but when he shared his personal story about his own loan modification; it made it real. Todd was my strength and support throughout the entire process. Cristine Nicholls-Jacobs, the deliqhtful attorney who handled my file, was very prompt, pleasant and informative. I could tell by her correspondence with me that she was not a novice. She knew her business and knew how to deal with the lender. I cannot thank CDA Law Center enough and Todd and Cristine for taking a crisis off my hands, preserving my faith in hiring a company to perform a service, and most of all for assisting me with the proper paperwork necessary to qualify for the loan modification. I am about ready to enter my 3 month trial period for my new loan amount and no longer have to worry if my furniture would fit in an apartment if I were to lose my home. I can now sleep at night. Thank you again so much.
Best financial decision we could have made...
It is with great happiness and contentment that I write this review for CDA Law Center. My husband and I extend our heartfelt thanks to both Gary McPeak (our Case Manager) and Ryan Jacobs (our Negotiator) for all their hard work and tireless effort on our case. They are true miracle workers! Before we spoke with CDA, we were six months behind on our mortgage payments. Our mortgage payment at the time was $2,839 per month. CDA Law Center successfully negotiated our payment down to $992 per month. Shocked? Yeah, so were we! We thought it was probably just smoke and mirrors, but we just confirmed it with our mortgage company and we will make our first payment in the trial period in a few weeks. To add to the uncertainty of the case they took over on our behalf, my husband and I are BOTH self employed with very unpredictable incomes. I know that every case is different, and that there are a lot of variables in each person’s situation, but I believe if we could achieve such a successful outcome, there is hope for others! When we spoke with Gary the first time, he was very helpful and reassured us that we were doing the right thing by taking this step. He asked very specific questions and determined that we were good candidates for a loan modification. It was a ray of hope for us, as we had already done a modification on our own in the past with only minimal benefit. We decided to hire CDA Law Center based on their good online reputation of specializing in loan modifications. Still, given all their high marks, we were still VERY skeptical of these types of law firms and had heard all the horror stories about people getting scammed by unethical companies. My husband was very paranoid and nervous during the entire process, so we had kind of a rough start, but Gary was very reassuring and tried to help keep him calm and informed about the process. After the initial phase of gathering and verifying all our financial documents, our case was handed off to Ryan Jacobs for the negotiation phase. He, unfortunately, bore the brunt of my husband’s uncertainty and panic, but Ryan handled it like a champ! I don’t know anyone who can take a verbal smack-down like that guy! My husband and I shared a slice of humble pie afterward, once our offer was presented to us, but we did not mind being proven wrong at that point, and we offered Ryan our sincerest apology and thanks. As a side note, there were times during the initial document-gathering phase where it was hard to get someone to answer the phone or get our phone calls returned in a timely manner. Things seemed to move at a snails pace from where we were sitting and we got a little impatient about it. I do realize that their firm is very busy, but I felt the need to pass this on in my review because I believe it's a problem that can fixed very easily within the company. Ultimately, after all was said and done, we came to realize that CDA Law Center really does have their clients’ best interest at heart and they will work their tails off to achieve a successful modification for you. We really owe them a debt of gratitude for their labors and will continue to refer friends, family and acquaintances to them in the future. One last thing I would like to say is that if you are suffering in silence like we did for those six months, and you are now looking at getting help with your mortgage situation before it’s too late, I would strongly encourage you to give CDA Law Center the opportunity to help you. They know what they are doing and if they think they can help you, they will get you the best offer possible in your unique situation. It’s one of the best financial decisions we could have made and we are glad we did.
you wont regret trusting this company! they are the best!
My husband and I were having a very hard time trying to negotiate a lower payment with our mortgage company, before finding out about CDA Law Center, this company is absolutely amazing! Gary McPeak and Suzie Bryant worked very hard on getting our payment (which was 3,564) to 2,603, which is much more affordable. I would also like to add that they were very professional, and always very pleasant to work with. I would recommend CDA Law Center to anyone in fear of losing their home. Thank you CDA!!!
Thanks to CDA Law Center we have a trial loan mod with B of A!
We have been working with Gary McPeak and Jacklyne Davis for a couple of months, and last week we were approved for a 3-month trial plan with B of A thru the HAMP program. Our trial payments start April 1. Our new payment will relieve financial pressure we have been under. CDA Law Center was able to take us from a 6% rate PITI payment of $3,593 to a new modified payment of $2,656 PITI and a 2% fixed rate. Gary McPeak and Jacklyne Davis worked very hard on our case. They were professional, diligent, and friendly. They always kept in constant communication and we always knew what to expect next. They were great to work with! They are the experts and got the job done right, the first time. CDA Law Center is trustworthy and amazing! Their professional legal services delivered us the results we wanted in a short period of time. If you want to be represented by a trustworthy company - call CDA Law Center. We would HIGHLY recommend this company, Gary McPeak, and Jacklyne Davis! Thank you!!
Home Loan Modification
We are two senior citizen's & we were very skeptical about applying for a loan modification as we had been turned down three time's prior. Gary McPeak was very up-front with us right from the beginning, assuring us we definitely had a chance for the modification. We are 76 & 70 year old's, living on a fixed income. Our house payment was increasing on a regular basis it seemed like. In the meantime getting harder & harder to get by. Thannk you to Gary McPeak & Suzi Bryant for all their work on getting our principle reduction of $173,00.00 & a reduction on our rate of 5.38% to 2% Reducing our payment $2,115 PITI to $1,291 PITI. CDA has certainly given us a better outlook on our finance's for our future. Gary McPeak & Sizie Bryant rock !!!
Sam & Barbara D.
Thank you CDA Law Center
My experience with CDA Law Center with our home loan modification was very professional, working with Crystal Oropeza and Gary McPeak made the process go as smoothly as possible being a very stressful time for us, but was made easier with pro’s like Crystal and Gary keeping us calm as possible by keeping us informed with any progress. I would recommend CDA Law center to anybody that needs help with a loan modification, especially working with Crystal and Gary. Thanks for your help CDA law Center
Complicated loan modification approved through professional service provided by CDA Law Center
I am delighted to endorse the CDA Law Center for their outstanding service in the procurement of my home’s Loan Modification. In particular, Todd Jarrett (Sr. Case Manager) and Cristine Nichols-Jacobs (Sr. Negotiator) provided the most professional, efficient and personable service in the process of restructuring of my home's existing loan. My case was particularly difficult because of my income bracket and my status as a business owner. Yet, from the initial contact made by Todd, after I clicked on a pop-up while on-line that mentioned government help with mortgages in trouble, these attributes were immediately evident. He was quite knowledgeable and very friendly. His explanation of the process and what was entailed was not only enlightening but comforting at a time of much angst for me due to a ballooning mortgage and loss of income from a failing economy. He took a verbal financial application which was reviewed by the legal staff to determine if I could qualify before even meeting with me. We met at my convenience that weekend whereupon all my questions were answered and I retained the firm to represent me. Since then, he remained helpful and supportive throughout the ensuing 6 months until the loan was approved. This long process was made simple by Cristine who was the negotiator for the loan. In my case, as a business owner, there was a tremendous amount of documentation involved. Cristine was pivotal in making such an arduous task simple and efficient, requesting what was needed specifically and ensuring that its submission to the bank was done in a seamless and timely manner. It was her professionalism and hard work that made the difference in getting my complicated proposal approved! I am very grateful to both Todd and Chrisine. It was a blessing to have had these individuals working on my case.
CDA Law Center was great. They were very patient, understandable, and honest. Over all a great company to work with. Helped me with my home modification and soon will be helping the rest of my family as well. If you're looking for some help with a law center, I highly recommend CDA Law Center!
We HIGHLY recommend CDA Law Center
Gary McPeak and Crystal Oropeza worked very hard on our case. We were 3 months behind when we came to CDA Law Center. We were denied in the past for a modification when trying to do it on our own. My husband had lost his job, our income had severely decreased and we were in jeopardy of losing our home of 18 years. We called CDA Law Center and a few other law offices. We were very skeptical about using any law firm (too many stories about nothing done for the money you pay). After speaking to Gary at CDA it was the obvious choice to us. They were very knowledgeable and we were confident this was going to be our chance to save our home. Crystal kept in contact with us every step of the way. We were in a Negative Amortization loan and they were able to take us from a payment of $2,453 to a 2% fixed rate and a new payment of $1,390. I can't tell you what a relief it is to have such professionals on your side. Don't try the "Do It Yourself" method. Call CDA Law Center NOW!! Thank you Gary and Crystal for everything you did to keep us in the home we love.
CDA LAW CENTER HELP US AND GAVE US PEACE OF MIND
CDA LAW IS THE BEST TRUSTWORTHY AND KIND PEOPLE PAUL YOUNG AND SUZIE BRYANT WHERE WITH US EVERY STEP , WE WHERE TRYING TO WORK WITH LENDER NATIONSTAR ALL THEY WANTED TO SAVE US WAS $ 60.00 BUT CDA LAW SAVE US $ 500.00 A MONTH, I WAS AND STILL HAVE HEALTH PROBLEMS, BUT CDA LAW CENTER HAS TAKEN ALL THE PRESSURE OFF SINCE I HAVE ONLY ONE INCOME AND VERY SICK WIFE. WE WHERE IN BAD LOAN PAUL AND SUZIE GOT US 2% LOAN. THIS HAS AND WILL MAKE LIFE EASIER FOR ME AND MY WIFE.AS ALWAYS WE WHERE SKEPTICAL AT FIRST BUT AS WE TALK TO PAUL WE FELT AT EASE, ONE THING WE LIKE WE COULD ALWAYS GET IN CONTACT WITH THEM. SUZIE WORK HARD FOR US AS THE LOAN WE HAD WAS INTREST ONLY. IF YOU WANT RESULTS WITH NO HASSLE GO WITH CDA LAW CENTER. ME AND AND MY WIFE WANT TO THANK PAUL SUZIE AND CDA LAW CENTER FOR THERE HARD WORK.
Loan remodification help from someone you can trust
I feel very grateful, fortunate and blessed to have been helped by Paul Young, Sara Razavi and Suzie Bryant from CDA Law Center, because they were able to help us get a HAMP mortgage modification we could afford to pay. In 2009, we had a pay option arm loan from Wachovia which had continued to go up in interest along with the principal balance, because we could only pay the minimum payment and became increasingly unaffordable. We couldn’t refinance because the loan was underwater. I kept calling the bank but they said there were no programs available to help us out at the time and one should be coming out soon. We finally turned to a modification company and they were able to get an in house modification with 5.875% interest rate fixed for 40years, but the payment was interest only for 10 years then 30 years with principal and interest and no taxes and insurance included in payment. So, the payment was just a little less than what we were paying which was already unaffordable. We told the negotiator it was still unaffordable, but she said we should accept it and try to modify loan again after a year. We accepted the mod because we thought it would be better than having our payments keep going up. After, the first year passed, I tried calling the mod company and it was out of business. I went through another modification company and lost money because it was a scam operation. Our family life had become increasingly stressful financially, physically and emotionally in the last two years. Our income had dropped and we were constantly pulling money from savings. We really needed help, but I stil didn’t know where and if we could really get another modification. I was already fearful and worried, I might choose the wrong place to get help. I found CDA Law Center through reviews on the internet. Someone had received a second modification. We had no more options, we had to do something. So I called, I spoke with Paul Young. I told him my situation and he was very easy to speak with. I felt very comfortable speaking with him and he explained how their process works. I listened to what he had to say about the REST report. The Rest report can actually show numbers you where you stand in getting a modification. I told him I would think about it and call him later after discussing it with my husband. I called two other law firms that did mods to get more information. I still didn’t know who I would go to because they all said they could help us. But, CDA Law was the only company that had the REST report from the ones I called so I sort of favored them. I was still afraid to make the wrong decision and prayed for help. A few days had passed, it was Saturday and Paul called me. I almost didn’t answer it. Looking back, I realize now he was the beginning of the answer to my prayers. We did a conference call with my husband and we decided to trust them and take the leap of faith and began the process with them. Our Wachovia mortgage (which is now owned by Wells Fargo) was modified and we begin our first trial payment in April. We will be saving $1098 a month on our payment and our payment now includes principal, interest and taxes. Our interest rate will be 2% fixed for 5 years, then the 6th year 3% fixed and then the 7th year fixed at the current market interest rate today for the life of the loan. We had a lot of documents to send and Sarah Razavi our processor was always available to answer questions and help with the documents. Paul Young was always there for questions and concerns I had about anything and he always kept me calm when I got too worried about the process. Suzie Byrant our negotiator worked really hard to get us a comfortable payment, and kept us informed as to what they would propose for you based on your income. And every week she emailed us with what the status was on the modification once it was with the bank. They are a great team to have on your side. They are not only very professional, but also very kind and compassionate people who can understand the emotional stress you are going through and really want to help you. This is the first review I have ever written on the internet. I know there are so many people struggling financially and emotionally because they aren’t sure who will really help them. I hope, If you’re not sure who to turn to, this will help you with your decision.
Thank you CDA law center !
CDA Law Center got me a Loan modification when I thought I could not qualify for any help.Gary McPeak and Christine Nicolls worked on my case and were very helpful keeping informed on how my case progressed. Bottom line they saved me $900 a month on my mortage payment plus reduced the principal by $90,000
CDA law center-trustworthy
Want to recommend CDA law for anyone needing help with a modification. Susie Bryant and Gary McPeak helped decrease our 5.75% variable down to 2% fixed and our payment from $2,816.PITI to $1,995.PITI. I was scared to trust anyone but they earned my trust and my gratitude. Thank you both.
I had tried to negotiate with my mortgage company (Nationwide Advantage) for a loan modification for quite some time. I was told that nothing could be done to help me lower the interest rate due to the property values going down. I did a lot of research and located CDA Law Center. My first contact was Gary McPeak, he assured me that CDA could help in getting a loan modification. I must admit I was skeptical at first but thought I would give it a try in that no one else could help Me.I submitted the required paperwork that was required (Tax and Bank Statements, Homeowners Insurance policy's, Mortgage Statement and a Hardship Letter and a few other forms). I thought it would be hard to do filling out and locating all the forms but the people at CDA assisted me with everything. After all is said and done I was notified today (Valentine's Day) that the loan modification went through and I will be saving $512.00 a month. I might add that Gary also worked with Suzie Bryant, what I liked about her is she kept me updated with e-mails. I spoke with her on the phone 2 or 3 times however she was always negotiating. (Busy Lady). I know because her e-mails were late in the afternoon. I would also call Gary and he never failed to call me back. I really can't put into words how happy I am that I found CDA Law Center. One last comment before I leave to go out for dinner with my wife (paid for by Nationwide) If you have to get a loan Modification go with the best CDA, Law Center. Ron Skedel
I wish to extend my profound gratitude and appreciation for the expert and compassionate assistance given to me when I had nowhere to turn. Val Adams was extremely understanding at the outset thoroughly explaining my options and my best course of action. The subsequent instructions in assembling my package and the prompt and efficient manner which Jacqueline Davis demonstrated in negotiating the wonderful solution to my dilemma will always be remembered. If I can be of help in any way to recommend your Law Firm - please know I will do so.
I would like to thanks the people at CDA Law Center for all there help in making the loan modification go as smoothly as promise. And a very special thanks to Crystal and Ray they were so on top of their game. I would highly recommend CDA to anyone, they staff is highly professional and dedicate in helping people. Thanks for all your help Theo
Don't use anyone else Suzie Bryant-Grijalva at CDA
I hired CDA law center after a very bad experience with another law firm.Suzie Bryant-Grijalva is my negotiator. I can't tell you what a weight off my shoulders to work with her.Suzie kept in touch regularly(who does that nowadays).She fought for me, never accepted no and jumped through every hoop Chase held up(there were many).Through all of this she never let me give up hope.Just got my modification, $1,000.00 reduction per month(so much more than I hoped for).Suzie, getting to know you through this difficult time you are like family.I know you realize how important what you do is in the lives of so many, that's why you work so hard.Thank You just doesn't cover it.I will never forget what you have done for my family.
Not Enough Positive Adjectives To Describle What CDA Law Firm Accomplished For Me!
Todd and Crystal are so awesome. They take their job very personal and were able to accomplish what I could not have done on my owe. I must admit I was very skeptical and had a fear of being ripped off by a scam artist - will am I so glad I stepped out and trusted Todd and Crystal. The loan mod took a little longer than expected and I became very very nervous and anxious thinking the mod will fall through - I even sent an email to Todd & Crystal saying I thought this was a scam. Todd is so patient and awesome about calming me and reassuring me this was for real and how he takes his job very personal. I apologized for my lack of confidence and doubts because I was proved wrong. They are people of honor and integrity which I am so thankful for that. They were both very reassuring and on the ball with everything. They know their job and do it exceptionally well. I highly recommend CDA Law Firm if you are looking to get a home mod CDA Law Firm is a Firm that gets results. Crystal's hard work has saved me about $1200 per month on my home loan. Thank you Todd and Crystal for doing what I thought was the impossible. Gratefully, Anita~
CDA Law Center has very good staff; especially Suzie & Frank
My heartfelt thanks and appreciation for the dedication and hard work of the CDA Law Center staff; there are 8 pages of good reviews so far – each review must assure anyone that CDA Law Center gets the job done! I must say Suzie and Frank are two of the best people I have worked with in getting the modification done. I attempted modification first through a law firm that was shutdown; second time I tried with someone referred to me by a trusted friend and got denied. When Frank called me out of the blue, talking nice and comforting, I was not ready to spend yet another time. But, I must admire Frank's persistence, good logic, and explanation as to why I would qualify for the HAMP modification. I am glad that I decided to try again. Thank you Frank! Then Sara was very helpful in gathering the entire set of initial documents; sometimes I would have to send them several times due to the large size of the documents that were blocked by the email service provider. Thanks Sara for your patience and great work ethics. Then came the tough part of the modification process. But, I guess nothing is too tough for Suzie; she is prompt, in fact, very prompt, she means what she says; if she gave a date to get back with me, I did not have to sweat it. She must be very well organized as she must have several homeowners in need of same kind of service. Due to complications in my particular case, Suzie had to gather so many documents, I lost track of them, but she did not. Great job Suzie - thank you very much. I must say this modification is a miracle from above and CDA Law Center assisted me in making that happen. I must thank the staff at Chase also for approving this modification; I am sure CDA Law Center would convey this to the staff at Chase. My trial modification is starting this month and I am hoping to get the loan modified permanently and I am confident CDA Law Center will walk me through the entire process until it is final and settled.
After two years of failed attempts to get my loan modified, I finally, thankfully connected with CDA. It was the best thing I ever did, regarding my chronic loan problems. It only took them a few months, and mission accomplished -- better than I could have dreamed... Sincere thanks.... Stu Charno www.StuCharno.com
Single Dad's Home Saved
I would like to thank CDA Law Center for the help and hard work that the staff Gary, Christine, Lorraine put forth on getting my Home Modification completed. I tried to go to the lender but after total run around I had to take another meaning full route. That's when I met with Gary at CDA Law Center. It was a long hard sometimes sleepless nights but with their devoted help it went very smooth. They are very professional, but yet they treat you like family. Now me and my 9 year daughter still have our home. Thanks again to Gary, Christine, Lorraine and all other persons involved. John, Jodi
GreatExperience Go with these guys!
Worth every penny! I got my modification with an overall reduction of over 50% on my prinicipal payment. I included my inpounds for property tax and insurance and still reduced my payment by over $800. I am in the middle of my trial period and recieved my modification paperwork, so everything is looking good right now. I'm a very happy customer. Ask for Christine Nicholls and/or Gary McPeak, they took good care of me.
I am so pleased with CDA Law Center
Recently I needed to have my home loan modified. I connected with Anthony Perez at CDA Law Center and decided to take the opportunity he offered to help me get my loan modified. The team was wonderful to work with, especially Anthony Perez and Suzanne Bryant. Every member of the team provided excellent service. I gathered all the information they requested, and that Chase Bank would need for review in order to grant the modification. I am happy to tell you that the modification has now gone through and the payment has been adjusted to a reasonable amount. A super special thank you to Anthony Perez and Suzanne Bryant, to Chase Bank, and also to all the other members of the team. If you need help with your mortgage modification, call CDA Law Center and see what they can do for you. Dan Reynolds
It was a real Challenge that We could not face alone that takes somebody with experience Thank you CDA Law Center
This Team is amazing our chances of being approved for a loan modification were very minimum, every one working for the bank knew what to do to turn us down. CDA Law Center came on board with a team of very aggressive personnel to get us back on track on a time when we most needed a helpful hand. When every day more homeowners are being miss-guided and loosing their homes and you need somebody that you can trust and will never let you down I thank God for that day that I made that call that initiated me in to our new future. Now I'm saving almost $10,000.00 a year thanks to this tremendous Law firm. Ray, Suzie and every body at CDA Law Center Thank you very much from the bottom of my heart. We love you guys.
HAMP Loan Modification
Suzie Bryant/Grijalva,Scott Grubert and Sara Ravazi have all gone above and beyond to get me a loan mod for my mortgage! In the past 2 years I have tried with 3 other companies to get my loan modified! The first company took me for 3,000.00 and disappeared?? The second took my money a could not do a thing for my situation! The people at CDA worked overtime getting me this loan mod! They got my monthly payments cut in half, plus I no longer pay my property taxes and insurance separately! I can't say enough about these dedicated people! I would get an email from Suzie and I would hold my breath while I opened it! I would reply that I was holding my breath to Suzie, she would reply" Don't worry, we have you covered" She was right! Scott would call just to see how things were? Great bunch of people!! Today the way I got the news, Suzi called from home she has been sick and took the time to call me to give me the good news, coughing and sneezing!! Suzi is the ramrod of the 3 who took care, of getting me the new loan and keeping me from losing it all together!! She has been there for me the thru this nerve racking time!! Suzi, thank you so much for taking the time to call me and helping me thru this process!!! Again, Suzi, I love you!!! Thank You, John Danna
thank you ray and crystral!!!!!
RAY AND CRYSTAL WE ARE SO GREATFUL TO YOU FOR HELPING US MODIFY OUR HOME LOAN, WE TRIED MODIFING OURSELF BUT WE WERE DENIED. FROM OUR FIRST MEETING AND ALL THROUGH THE PROCESS YOU GUYS HAVE ANSWERED ALL OF OUR QUESTIONS AND HAVE GONE OUT OF YOUR WAY TO HELP US, WE LIKE THE WAY YOU WORK AND YOUR UPFRONT HONESTY AND WHEN EVER WE CALL YOUR THERE TO ANSWER OUR QUESTIONS... WE WOULD DEFINATLY REFER YOU TO ALL OUR FRIENDS AND FAMILY, KEEP UP THAT GREAT JOB YOU GUYS DO, AND THANK YOU AGAIN...
Loan Modification - 100% Trustworthy!!!
After two failed attempts to get a loan modification through my mortgage company, Wells Fargo, I contacted CDA Law Firm through an online request. I received an immediate response from Gary McPeak to discuss my situation. After giving him all of my information, he informed me that I was a great candidate for a loan modification. After sending them all of my documentation, my case was then transferred to a negotiator, Ryan Jacobs. The communication was fantastic. Whether it was through phone calls or email, they kept me up-to-date with the status of my loan modification. CDA Law Firm was able to successfully get my loan modified with a GREAT rate. My mortgage payment went from $2,383 PITI to $1,685 PITI. If you are considering going through this process, Gary and Ryan are the guys you want on your side.
CDA LAW CENTER
cannot say enough great things about CDA Law Center . After being denied twice by my lender and two months behind on my mortgage payment, I needed a solution to my mortgage problems. I was worried about the modification scams and less than reputable companies I had heard about and did not want to be taken advantage of. I inquired on the services at CDA Law Center and was pleasantly surprised by the professionalism and peace of mind I felt after speaking with Gary McPeak. A weight was lifted off my shoulders after he walked me through their process. CDA Law modified my mortgage payment from $2,896 per month to $1,700 per month. My mortgage was reduced $1,100 per month!!! Gary and his associate Jacklyne Davis really went to bat for me. I appreciate all their hard work more than words can say.
WOW! CDA Law Center
WOW! CDA Law Center helped my family with our loan modification. They were able to make my mortgage affordable. CDA made the process fast and simple. They are saving me $2500 per month. My old loan was at 8.500% My new rate thanks to CDA is now 2.00%. I have and will continue to recommend CDA to anyone and everyone. This truly has turned my financial situation rite side up and I am no longer sinking in my monthly payments. Thank you Justin and Christine for all your hard work.
Thank You CDA Law Center!
CDA Law Center has been very helpful during my loan modification process. Val and Cristine have been very professional and prompt at returning my phone calls and emails, and CDA Law Center got my loan mod. approved successfully! Thank you very much!
Kudos to CDA Law Center
I highly recommend CDA Law Center, and especially Gary McPeak and Jacklyne Davis, for your home loan remodification needs. I recently remodified my home loan and CDA Law Center was instrumental in completing this process. Gary and Jacklyne worked very hard to resolve all my questions and concerns and came thru with flying colors. They did an excellent job of making the loan remodification process as painless as possible. I have to admit I was a bit skeptical about the loan process at first but CDA Law center did an excellent job of managing this process. Thanks to Gary and Jacklyne, I am now saving $693 a month on my mortgage. Do not hesitate to use CDA Law Center if you need a loan remodification, as this is a top notch firm. I heartily give CDA Law Center a 5 star rating.
Home Saved from Foreclosure
Thanks to the help of Paul Young and Cristine Nicholls at CDA Law Center, my home has been saved from a foreclosure sale. Due to the bad economy, I was almost 16 months behind on my mortgage payments. I tried, on my own, to obtain a loan modification but was denied twice. CDA Law Center was able to negotiate a modification in less than 60 days. My payment is being reduced by $520. a month and includes PITI in the payments. After my loan is permanently modified, I will also qualify for a principal reduction in the amount of $114,100. Thanks again, Paul and Cristie for saving my home.
I would like to thank CDA Law Center and especially Jacqueline for all of the hard work and dedication they did for us. We tried to modify our loan twice on our own unsuccessfully. With there continued support of working with our lender we our able to make the monthly payments on my salary only since my husband became disabled. We were both stressed with the prospect of possibly losing our home. Jacqueline was always just a phone call or email away to help us in any way. With the help from CDA we have been able to modify our loan and we can stay in our home for many years and watch our children and grand child grow-up. Thank you seems such a small word for all the hard work and the successful outcome. I will be eternally grateful for what CDA and Jacqueline did for us.
I recommend CDA LAW CENTER because of the excellent job on my loan modification. They were very accurate they answered all my calls and emails promptly. They helped me out with both of my property's. They were very officiant and helpful, I strongly recommend them
CDA Law Center saved my home!
Can a guy who loses his job, has no salaried income, and is living in a severely upside home somehow get a modified mortgage in this economy? Amazingly the answer is yes! I found CDA Law Center on the web and took a leap of faith that they could somehow present a compelling case that would satisfy my lender's incredibly complex loan modification approval requirements. Guess what? They did! My account rep Justin and my personal negotiator Suzie were with me every step of the way. From submitting docs to final approval, they never wavered in their attention to detail nor their concern for the success of my case. In the end I was able to get out of an interest only loan which was about to reset, and into a 2% loan that levels out at 4% fixed for the next 30 years. Incredible! Instead of flushing $2,600.00 down the toilet each month, I'm now paying $850.00 less and watching my new payments actually deduct from the principal. And just in time for Xmas! I now have a home I can look forward to retiring in and the peace of mind that comes from an affordable mortgage that's locked in. It goes without saying that I recommend CDA to anyone in financial distress who wants to keep their home but needs a loan they can live with.
CDA Law center
I wanted to share my positive experience with the team at CDA law center. Due to pay cuts and financial stress, I was forced to consider a loan modification. Gary McPeak and Suzie Bryant took excellent care of my case and did everything as promised, on or before schedule. I must say that my case was probably difficult considering the fact that I was traveling, working and had a death in the family. On several occasions I was late getting them documentation yet they always came through. At the end of the day my lender forgave the missed payments, changed my loan from an adjustable to fixed, and lowered my interest from 6.5% to 4.5%. Because of the diligent and hard work of their team, I am able to keep my house and have the security of a low, fixed rate mortgage. I would not hesitate to recommend CDA, especially Gary and Suzie.
home Mortgage Loan Modification
Excellent choice of representatives to assist you with you loan modification, very thorough and professional, want the best results for you, will ask to keep you half of the effort with documents, dead lines, flexible fees. Follow their instructions and you will be more than satisfied. Strongly recommended
J. Luis E.
Home Mortgage Modification
After many disppointments looking for a HOME MORTGAGE MODIFICATION. I was introduced to RAY AROCHO Director of Business Development and SUZIE BRYANT Negotiator for the CDA LAW CENTER. To work with RAY and SUZIE was an absolute Pleasure for me, they put me at ease throughtout the whole procedure. RAY never gave up on me. SUZIE is the best, she negotiated with my lender US BANK on my behalf and got me the greatest Modification Financing that was available. It lowered my monthly payment which gives me more money in my hand every month I could not believe how much money I had saved. I recommend RAY and SUZIE....for YOUR HOME MODIFICATION. I will always remmber them. THEY DID ALL THE WORK FOR ME. and I RECEIVED ALL THE BENEFITS, Thank You So Much RAY AROCHO and SUZIE BRYANT and EVERY ONE at CDA LAW CENTER.
MY LOAN MOD.
CDA LAW centeris great!my representative Cristal oropeza is wonderful and helpful to make my mod a good one.she really helped me out on my home situation.i would and will recommend them to everyone i know that is having home loan problems with their mortgage.thanks from Eric Todd,you at cda law are great.
DO NOT HESITATE, CALL THEM ASAP! THEY HELPED ME AND THEY WILL HELP YOU!
I'M NOT THE KIND OF PERSON WHO NORMALLY WRITES REVIEWS. BUT, I JUST FELT THE NEED TO LET EVERYONE KNOW HOW WONDERFUL CDA LAW CENTER REALLY IS. CALL THEM, ASK FOR VAL AND VAL WILL TAKE CARE OF YOU(REALLY). IT WAS HIS COMPASSION AND KNOWLEDGE WHICH SET ME AT EASE. I TOO WAS VERY SKEPTICAL. HAVING TO TRUST SOMEONE I DIDN'T KNOW WITH SUCH A SENSITIVE MATTER? I'M SO THANKFUL I DID AND NOW, I'VE BEEN ABLE TO KEEP MY HOME. IT WAS MY NEGOTIATOR CHRISTINE'S TENACITY, HARD WORK AND DETERMINATION THAT HELPED ME WITH MY LENDER. TRYING TO NEGOTIATE ON YOUR OWN WITH THE BANKS, JUST DOESN'T WORK, TRUST ME I TRIED. IF ANYONE CAN HELP YOU THE WONDERFUL STAFF AT CDA LAW CENTER CAN. GOOD LUCK TO EVERYONE! THANK YOU CDA LAW CENTER, THE SEPULVEDA'S
CDA Law Center is the BEST!
CDA law center is the best! Suzie Bryant was assigned to my case and from the very beginning she was my superstar advocate. She sent constant updates so my husband and I always knew what was going on. Now we no longer have a horrible neg-am loan and with Suzie's hard work we were approved for a successful loan modification. This is the best Christmas gift ever!
cda law center was awsome!
CDA law center was great! Our representatives Crystal Oropeza, and Anthony Perez were wonderful and helpful to make our experience a good one. they really helped us out on our home loan situation, i would recommend them to anyone having problems with their mortgage. Thanks
After multiple failed attempts to acquire a loan modification on my own I contacted CDA. I was very skeptical about hiring a law firm to do what most people told me I could do on my own. All the CDA personal associated with my modification were very knowledgeable and helpful. They outlined the process then walked me through it step by step. I was told that I would be able to go from a negative amortization loan to a principle and interest loan and save more than $1,000 a month. I didn't think it was possible but decided to give it a shot. They worked with me closely throughout the process taking care of the loan modification request and submitting to the bank. Now, thanks to CDA my monthly payment has gone from $3,600 per month to less than $2,500 per month. CDA delivered on their promise and I would definitely recommend them to anyone who thinks they can handle a loan modification on their own. Save yourself time and money.......Call CDA.
CDA is Great!
CDA got us a very good modification, and the entire process was smooth and very efficient. Prior to hiring CDA we failed 3 times. Once we worked with a non-profit housing advocacy group, and each time was a nightmare. CDA made it very easy for us. Some friends of ours, who got a modification and avoided foreclosure, recommended CDA. Cristine Nichols handled both cases, and she is a consummate professional. CDA knows the business well and will do a great job! Thank you CDA, and thanks Cristine!
Loan Mod Experts
CDA Law Center gets the job done. When I found CDA I was very desperate. The bank was about to foreclose on my house. I was out of time and options. I spoke with Bill Baskin and he was confident they could help me with a loan modification. It was a struggle dealing with BofA and the short time frame. Bill assured me they would get it done and they did. In fact at the end of my trial period the loan mod came in better than expected. Everyone at CDA was very pleasant and professional, especially my representative Crystal. If you need a loan mod CDA is the place to call.
CDA Law center helped me to get my loan modified. Starting with Tony Gomez who started the process,then Michael Nelson and Jacklyne Davis. They were very through in getting all the things done in order to make this work. I would highly recommend them to all that need a loan modification.
GOT MY REMOD!!
Just got my home loan remodified thanks to Suzie Bryant @CDA Law center. She never gave up on us and pushed us, when necessary, to get all the required paperwork for the Bank in a timely, efficient manner which ultimately netted us the remod. Thanks for the great communication and professionalism Suzie, and thank you for giving my family something to be truly thankful for this Thanksgiving. Wishing good luck to every struggling home owner.
I give them a 10!
I give them a 10! This firm walked me through the entire process. I was stressed out and they remained calm, supportive and helpful. They will not jerk you around. If they can't help you, they will let you know from the beginning. Thank you Anthony and Cristine! You both are the BOMB! We anticipated one price for my modification and the final result was so much more rewarding! I recommend this firm to EVERYONE! Don't waste your time with someone less, go with the BEST! CDALAWCENTER! I am so grateful I did!
BLESSED BY CDA LAW CENTER
We were contacted by Dave Vaughn at CDA. We were skeptical to say the least already having been burned by another attorney that was supposed get us our modification "guaranteed!" We spoke with Bill Baskin to ask our questions and decided to move forward with CDA. It took longer than we thought but our end result as of today, 11/29/11, we received our modification, almost $900.00 less than our original payment. We have hope restored and our home in tact and we have no one to thank except CDA - Thank you Crystal Oropeza, Bill Baskin and Dave Vaughn. You saved our life and we are eternally grateful.
David and Eve L.
I am very grateful to all of the CDA Law Center staff
I am very grateful to all of the CDA Law Center staff that dealt with my loan modification, after having been denied twice, at times I seemed to lose hope that the actual modification would ever take place. However, I am so glad to hang in there because the results are actually better than expected saving me $1,700 per month at a very low rate. From the beginning they told me that it would be a long process, that I had to be patient and that most banks are very difficult to work with, I understand that very clearly now and it is definitely a task to be left to the professionals such as you and you company. I appreciate your constant support and confidence that it could be done. I I highly recommend CDA Law Center to anyone seeking a loan modification, I trust that CDA Law Center will give you the right counsel and support to get it done.
Every time we called, one of CDA’s staff either answered immediately
CDA Testimonial In April of 2010, we found ourselves unable to make our mortgage payment. This was due, in most part, to a double whammy of circumstances involving the closing of our retail business (due to the collapsing US economy) coupled with an elderly care situation that drained every last cent of our savings. Our lender had no interest in refinancing our loan to a lower interest rate (despite our stellar credit rating at the time) and led us into their home loan modification program, assuring us “everything looked good” from a cursory glance at our bank statements. From there, we entered into a year long process that led to our credit rating being destroyed, an eventual decline of our application, and numerous foreclosure threats and visits from shady profiteers offering a dizzying array of solutions in-between. Friends also chimed in with horror stories regarding their own experiences with banks, lawyers, real estate agents, loan “experts,” and such, pushing us to the point of giving up and walking away from our property of 13 years. With a final foreclosure sale date looming and in the depths of depression, we were at our wits’ end and finally called a trusted lawyer/friend for advice. He recommended calling CDA. It was difficult to swallow our pride and admit we needed outside help, but we nervously dialed the number to CDA truly without knowing what to expect. And, from the first phone call (answered by the unflappable David Vaugh) onward, we were treated with utmost respect, dignity, and dare we say good humor. The first step was an evaluation of our financial situation; CDA it seems, does not have a policy of taking on cases it doesn’t feel strongly it can win. We submitted all or our financial data to their underwriting department, and it was determined we could meet the criteria for a modification. We then moved to the engagement phase with CDA, proceeding forward and assembling the necessary paperwork for ultimate approval from our lender. Our negotiator, Christine, Nicholls, was efficient, cheery, and determined. Every time we called, she or one of CDA’s staff either answered immediately or called back within an hour. When anxiety crept into our thinking, Christine and/or David calmed us. Twice, when things seemed too much to bear, our foreclosure dates were extended and we were reassured that everything was fine. Then, within a few days after submitting our final package to the lender, we received word that we were approved and our lives would soon return to normal. Our payment was lowered, the phone calls ceased, our house had been saved, our lives returned to normal, and our nerves have stabilized. To sum it all up, CDA delivered - above and beyond. A couple of words for those in similar situations: First, calm down and try to avoid fighting or blaming each other for a bad situation; we’re all human and therefore not perfect. The economy has been terribly difficult on many people, hence do not think you are alone in these difficult times. It’s tempting to turn inward, but allowing friends and/or relatives to know you are suffering can be quite helpful. We experienced an outpouring of offers of help from both likely, and unlikely, sources. Second, take an HONEST and hard look at your own financial situation and learn everything you can about your home owner rights and solution options. Are you certain you can make a loan payment if a modification is achieved, or are you simply trying to buy time before abandoning ship, regardless? If you are unemployed, penniless, and unable to pay ANY amount, your road ahead will be even more difficult, if not impossible to traverse to a successful modification. There are other avenues one can pursue, such as short selling, that may be a better fit for your circumstances. Third, if at all possible, do NOT attempt to work directly with your lender! Whether or not you choose CDA to represent you or another reputable firm, it’s far more likely you’ll get a positive outcome with knowledge able people helping you. Always keep in mind that all lenders/banks have a team of lawyers and experts on their side who know the rules and practices - you (most likely) don’t. This tilts the playing field in their favor and they’ll take full advantage of that fact without any remorse or compassion. You simply become a folder full of data that is ruthlessly scrutinized and judged and you stand a better chance with representation and knowledge of the system fighting for you at every step.
A HUGE WOW to CDA Law Center!!
A HUGE WOW to CDA Law Center!! They have helped my family & I stay in our home that we love so much! I have raised my 4 kids in our home & now grandkids are coming!! My husband & I have been struggling to make ends meet as my husband has been on permanent disability for 3 years and his pay was cut in half. The wonderful people at CDA Law that I have worked with, namely David Vaughn, Michael Nelson & Jacklyne Davis, are truly amazing people. They were in constant contact with me and kept me informed every step of the way. I personally have been trying for 2 1/2 yrs to work with Litton Loan on my own to no avail. I was skeptical about hiring a law firm to help, but after reviewing approx 4 different offices, CDA Law was the most qualified and after speaking to them, I was confident that they would do their best. Their knowledge about foreclosures and modifications was outstanding. I can't tell you how happy & excited that my entire family is that Jacklyne was able to work with Ocwen (they bought Litton's loans)and reduce our mortgage payment almost in half. Now we will be able to keep our home and move forward with our lives. THANK GOD that there are still good people willing to help others!!!
AWESOME JOB Cda Law Center did for me and my family
I'm writing this review for the AWESOME JOB Cda Law Center did for me and my family personally!!!Cristine Nicholls and her team was patient, professional, and return ALL my calls,emails and WORKS TOOTH/NAIL to get my modification approved!!!! Trust ME!! I have felt like giving up ALL hope of a mod! for the simple fact that I've tried it with (3) other companies and the all failed!!!! Everyone at CDA law center was friendly from beginning to end!!!! Definitely a 5*****STARS COMPANY!!!! I was fighting Aurora Loan Servicing since 2008!! I was at 7.625%rate(negative arm loan THE WORST LOAN EVER)..I'm now on a 2% for 5yrs the 3%,4% for the life of the loan....Thanks Cristine and The CDA Law Center!!! Give them a Call at 877-499-4435...
Thanks to CDA.
I started my loan modification with Chase Home Loan in 2009 with an approval for a trial loan modification. After working with Chase for nine months, they sold the loan to LBPS. I worked with LBPS for eight months going through the same grueling process. Just as I was starting to make progress with Seterus, LBPS bought the loan. I began the entire process all over again with Seterus. After several months of reviewing my paperwork and many many phone calls, Seterus denied my loan modification because of insufficient income. So, it was either lose my home or do something fast to try and save it. I was desperate! I began my search in hoping to find legal help. I spoke with many firms about my loan modification. Several had a 3-6 month wait. I found others not to be trustworthy. I was just about ready to give up. Then I came across CDA Law Center, who I found on the Internet. I did a little research on them and thought, why not, I will give it one more try. I filled out a questionnaire on line and within 10 minutes I received a phone call from Todd Jarrett. My first impression, speaking with Todd was refreshing, he was very knowledgeable and professional. He explained the entire loan modification process and told me, from what we had just discussed, regarding my financial background, I would most likely be eligible for a loan modification. I was skeptical, of course, thinking this just sounds to be good to be true. I began to do more research on CDA and found nothing but positive comments. Todd provided references, which I took advantage of and received nothing but great remarks. After much research, I decided to retain CDA. I began the process with Todd Jarrett. He walked me through the contract and explained it in detail, which was helpful. At all times understanding the process and the next step. I then worked with Michael Nelson, Processor, with CDA. She was fantastic. Guided me right through the first part of the process, with little worry. Michael collected and reviewed all the paperwork needed for the modification. She did so in a very professional manner. The course of this took 1-2 weeks. Once completed, she handed me over to Suzy Bryant, the Negotiator. Suzy eased my mind immediately. She is fantastic!! Suzy did an amazing job in keeping me informed with what was transpiring at all times. There was never a question as to what will happen next and what to anticipate. I was always aware of the next step. And, after several weeks, my loan modification was approved!!!!!! Thanks to CDA. If you have a similar situation, CDA is the answer!!! CDA makes a difference. I cannot say enough about the staff. Todd, Michael and Suzy, you guys are fantastic. Without your services, none of this would have been possible. Thank you all SO much!!!
I have been very pleased with the work CDA Law Center did
I have been very pleased with the work CDA Law Center did for me on my recent Home Loan Modification with Bank of America. Ray Ghamsari, Lorraine Whitford & Crystal Oropeza were extremely professional & helpful in all aspects of negotiating this transacttion. I would recommend CDA Law Center without reservation to anyone who is trying to modify a home loan.
I would like to Thank CDA Law Centers Team
First and foremost I would like to Thank CDA Law Centers Team for their efforts to get my home approved for the Home Affordable Modification Program. Jacklyne Davis completed the negotiations and Gary McPeak got the process moving forward. I had never retained attorney services proir to August 2011. Please read my testamony as it is true. Ok,so Jacklyne was able to get my mortgage payment from 2600.00 down to 1700.00 this includes all escrow amounts! My first payment is due December 1, 2011. No back charges incurred! Now ready for this? LESS THAN 60 DAYS modification processed. With CDA fees, monies I was in arrear...(past due mortgage and late penalty fees) I have saved more than 6800.00 Dollars and I repeat 1st payment is not due until December 1, 2011. Yes there is a trial period of 3 months, make the payments on time and permanently keep these modifications for the duration of the loan. Thanks so much for helping me to keep my home! Gary, Lorraine, Michael, and of course Jacklyne Davis... Re: Nationstar Mortgage.
I want to give a big thanks to the team at CDA Law
I want to give a big thanks to the team at CDA Law. I was facing extreme financial hardship with my mortgage, and with great care and attention Gary McPeak and Jacklyne Davis from CDA were able to reduce my monthly payment from $2,629 PITI to $1,790 PITI. That's a saving of $830 a month. What a relief. It began over a year ago when I experienced a reduction in salary that caused me to begin using up all of my savings just to keep up with the monthly mortgage payments. I was stressed out and hopeless, and my wife and I recently began worrying about losing our home. The CDA team walked us through the entire process and answered every question we had, with patience and respect. I am extremely satisfies with their level of effort and the quality of the outcome. Had it not been for CDA, I would not have been able to remain in my home. - Jacob
A very special thanks to the CDA Law Center
A very special thanks to the CDA Law Center. Without their help, I would not be in my home today. I tried to do a loan modification on my own, and was denied twice. My home was in foreclosure. I found out about the CDA Law Center through a family friend. I was almost 17 months behind in my mortgage payments and suffered a loss of income. My payments through the modification are now $1100.00 PITI and would normally be over $1900.00PITI. Gary McPeak and Suzie Bryant worked really hard on my behalf. Suzie was very prompt in responding to all of my questions, and she communicated to me like I was a person and not a number. She was a godsend. I recommend CDA to anyone seeking a loan modification, they are the best. I am fully satisfied with my decision to go with CDA Law Center.
You guys made it happen thank you very much.
My name is Jaime F. I fell behind on my mortgage and after seeking help from the bank by my self. I just couldnt get the bank to help me to be able to stay in my home. After month of searching for help i stumbleupon CDA Law Center. I spoke with Gary McPeak to find if there where able to help me base on my particular situation i was in. I was very skeptical at first base on i new little about their firm. Now i just cant thank them enough. In a little over 4 month CDA Law Center and is excellent team work on my loan modification. They where able to get me a payment of 1900 from 3177. The interest in my mortgage was 6% percent and was lowered to a 2% that just ended month of struggle. I would like to thank Gary Mcpeak, Sr. Case Manager, At CDA Law and also Ryan Jacobs who was my case negociator. You guys made it happen thank you very much.
I could not have been successful without CDA Law Center.
I was very skeptical about hiring a firm to help me with my modification. I interviewed three different companies and was very impressed with Frank Allison. I figured if he could sell me he could sell to the bank. I received an extraordinary amount of attention from Frank. I knew that when my file was passed to the next person I might not receive the same kind of attention but was equally impressed with Crystal Orpeza. She continually made sure I was compliant with requests from the bank, and reviewed each request with the bank representative. As suspected, my first submission to the bank was denied. CDA was able to present additional documentation to win the appeal. I am 100% sure that I could not have been successful without CDA Law Center.
I want to say a big thank you to CDA Law Center.
I want to say a big thank you to CDA Law Center. They were able to get our loan modified for us and we are thankful to God and CDA for the opportunity to keep our home. I was very skeptical when I first started the whole process. I just looked at it as it would buy me more time in my house if nothing else. The process did take some time, so anyone who is looking to go through this process, prepare to be patient! Everyone that we dealt with at CDA Law Center came through with what they said they would do. Christine absolutely went above and beyond to fight for us and to help us get our loan modified with Wachovia. We were kept updated as things progressed on a regular basis. Anytime we had questions, we were always able to reach Christine or whom ever we were working with direct or get a return phone call if we had left a message. Your counselor may change a time or two (which caused more skepticism, I have to admit) but I would and have recommended CDA Law Center to every person I talk to. I have talked to several people about what CDA did for us and I always hear the same response.."your the only person I know that was able to get their loan modified" and that's when I tell them about CDA. CDA can get it done!! Thank you once again for helping us through the process and keeping our home! You all are GREAT!
I cannot explain in words what this meant for me and my family
I am writing this review for a few reasons. I think it’s important that people know who the legitimate companies are in loan modification business. My gratitude for what this company has done for me and my family; it’s the least I can do to write a review. For the record, my first mortgage was $650,000 at $4,300 per month, interest only including prop taxes. I was basically at my wit’s end with Washington Mutual/Chase. I had been through 18 months, and about a phone book thick worth of financial paperwork requested by the bank. I applied myself and was approved twice for a trial plan modification, and was told if I completed the trial plan (3 months) that it would then turn into a permanent loan modification. Well, I completed the FIRST trial plan (3 months of lower payments at $2400). After SIX MONTHS on the “trial plan”, Chase sent me a letter stating: “YOUR LOAN MODIFICATION APPLICATION HAS BEEN DECLINED FOR INSUFFICENT INCOME”. Just like that, I was back to square one. As time went by, my income went up a bit so I reapplied. I got a letter from Chase stating I was approved for a trial plan modification. My new payment they offered me was $4,000. That was the same payment as my original loan!! They basically miscalculated my earnings and came up with the $4,000 per month. I kept telling them until I was blue in the face that there was a mistake…They finally admitted the calculation error, but they would not change the trial plan payment!! They said take it or leave it! I was so ready to just give up, take the offer and move on with life. I always thought I could do it myself, and these loan mod companies are just ripping people off. I had heard of CDA Law Firm from a few friends of mine that had their loans modified. Todd Jarrett was my account manager. He did a great job educating me about modifications in terms that I can understand. CDA Law Center used the REST report program to see how likely it was that I would qualify for a loan modification. He ran the report on me which he said proved that the loan was worth more modified to the investor. I moved forward with Todd and CDA. They assigned me to Jacklyne who is a negotiator for CDA.. The challenge that CDA had with my case was the 2nd trial plan that Chase offered needed to be reworked. Chase had no interest in working with me to fix it, but the contacts that CDA have, they were able to work with Chase and get my trial plan payment reassessed. After about 60 days, and more paperwork sent back and forth, Chase approved me for a new trial plan payment of $2900 which included my property taxes, principle and interest. An amazing accomplishment from where I was 2 months ago. I paid the trial plan payments on time each month for 3 months….I emailed CDA to see what paperwork Chase needed at this point to make the trial plan permanent. They said nothing more was needed, and “hopefully” we will hear from Chase on a decision…..SIX DAYS after I made the 3rd trial plan payment, Chase converted my trial plan to a PERMANENT MODIFICATION. I cannot explain in words what this meant for me and my family. My wife and I just had our first baby…and knowing we can afford to live in our house is unbelievable. Both of the industries we are in was hit so hard by the economy and to be able to save our house meant everything. Believe me, there are a lot of bad companies out there. I was even skeptical about CDA even though I knew people that worked there. I went to their office in Mission Viejo and took Todd out to lunch as a thank you for all of his help. I met a lot of the other employees and this is a thriving business that is helping a lot of people like me that were stuck with very few options.
Our family decided to go with CDA Law after reading all the positive and successful results
Our family tried to qualify for a loan modification for the past year on our own and was rejected three times by Bank Of America. After three rejections and the thought of losing our home we lived in for over 30 years we decided to seek assistance. We researched several organizations and our family decided to go with CDA Law after reading all the positive and successful results. The process is long and stressful, but Crystal, our negotiator, was great. She negotiated an amazing modification with Bank of America and after 6 long months, Crysta and CDA Law was successful in getting us a loan modification. Our family would like to thank Crystal, Gary and anyone else (behind the scenes) who helped with our modification.
Our family would like to extend a huge thank you to CDA
Our family would like to extend a huge thank you to Gary McPeek and team for pulling a rabbit from a hat! We'd like to give an extra thank you to Christine Nicholls for her great efforts in getting us approved,she went to work for us beyond what any client could ask for. We have been given a second chance due to CDA LAW CENTER. Thank You for all who kept our home and family together.
Thank you CDA for saving my home
I waited a few months to write this review. As I was pretty upset with the final results of my "modification" My story is quite simple in October 2009 my mother died and left me with a mortgage that I could not pay on my income alone. I went through another "law firm" that assisted me in getting a modification-as I was not anywhere near foreclosure however they put my mother on the modification in spite of me providing a death certificate. The modification was great except they continued to return the documents requesting my mother to sign them which she could not for obvious reason so the modification was denied. I then attempted to do a modification on my own which was denied 15 months later (very close to foreclosure) I hired CDA. First I'll thank CDA as I am still living in my house. However, I do not have a modification-Jacklyn Davis writes an an email and I'll quote, "your modification was approved with property taxes and insurance INCLUDED your monthly payment will be 2041..not great but manageable- NOT-my payment WITH insurance and property taxes monthly is 2343. Again-Thank you CDA for saving my home However two thumbs down and the middle finger up (because that's what I'm feeling right now) for your modification assistance
Thank you, CDA!!
The economy made it impossible for me to meet my high mortgage payments on a jumbo loan. I tried a loan mod on my own and it failed. I checked out several loan mod lawyers and companies before choosing CDA Law Firm, which I had heard about from a client of mine. Am I glad I chose CDA to assist me in my loan mod!! It succeeded and I can keep my home. CDA's pricing structure is fair. Their staff is extremely helpful and understanding from start to finish. And most importantly, they know what they're doing and they are very responsive to client inquiries, which regretfully is becoming a rarity these days. Thank you, CDA!!
I WANT TO TAKE THIS TIME TO THANK CDA LAW CENTER
I WANT TO TAKE THIS TIME TO THANK CDA LAW CENTER FOR HELPING MY FAMILY AND I STAY IN OUR HOME. I WAS REFFERED TO THEM BY A CO WORKER THAT USED THEM AND WAS SUCCESSFUL. I WAS BEHIND WITH MY MORTGAGE OVER 6 MONTHS DUE TO MY HUSBAND GETTING SICK. WE THOUGHT WE WERE GOING TO LOOSE OUR HOME. I CALLED CDA LAW CENTER AND SPOKE TO TYLER. HE WAS SO UNDERSTANDING AND CARING AND WAS READY TO HELP. I WAS SCARED AT FIRST BECAUSE THEY WERE IN MISSION VIEJO CA AND THE ONLY WAY TO TALK TO THEM WAS THOUGH EMAIL, FAX AND PHONE. AFTER I SPOKE TO TYLER ON THE PHONE I WAS COMFORTABLE AND ASKED WHAT THE FIRST STEP WAS AND HOURS LATER I HAD A COMPLETE EMAIL WITH ALL THE INFORMATION AND DETAILS. I FOLLOWED ALL THE STEPS AND MY LOAN MODIFICATION WAS APPROVED IN LESS THEN 6 MONTHS. THEY KEEP YOU POSTED ON WERE YOU ARE WITH THE MODIFICATION PROCESS AT ALL TIMES. EVERYTIME I HAD A QUESTION I SENT AN EMAIL TO JACKLYNE THE SENIOR NEGOLIATOR WHO WAS WORKING WITH ME AND SHE HAD A RESPONSE WITHIN THE SAME DAY. I CAN GO ON AND ON ABLE HOW GREAT THEY ARE BUT IN THE END IT YOUR CHOICE IF YOU WANT TO STAY IN YOUR HOME AND NEED HELP THEY ARE THE PEOPLE TO CALL CDA LAW CENTER.
look no further they are true to who they say they are and what they can do to help you!
First I would like to say if you are reading this and are considering using CDA to help you, look no further they are true to who they say they are and what they can do to help you! I know someone actually sincere and honest in today's world is hard to find but We did just that in having the wonderful,kind,smart and HONEST man Mr. Todd Jarrett!! Along with his amazing team Michael Nelson & Suzie Bryant. They all went above and beyond to help us get our second loan modification that's right second!! Which is unheard of. We were ready to file a chapter 13 to save our home after being denied three times for another loan mod. We were very skeptical of CDA but after meeting with Todd our minds were put into ease and trusting what they could do. With our sale date only weeks away and being over 14mos. in the rears we were very scared. Happy to say with the Rest report and the great negotiating of Suzie we were just approved for our second loan modification. I am not a friend or family member of anyone at CDA but now am happy to say a friend and a very happy & satisfied client. So my advice to you is to take that leap of faith as we did and let them help you save your home!! If anyone can do it it's CDA!! All the best Diane
THANK YOU AND THANK YOU, CDA Law Center.
I still cannot believe this. It really worked and happened!!! THANK YOU AND THANK YOU, CDA Law Center. I signed retainer agreement with CDA law center on 6/30. And I got my loan mod approved on 9/13. It took only two and half months! I had expected to take much longer than that! My new monthly payment is $2K/mon including both interest and principal, comparing to my old one is $4K/mon interest only. My original loan was with Bank of America. It would become adjustable in Dec 2011. Since last year I called BOA several times to see if I could get fixed rate by refinancing. But they could not do it because my FMV $580K was too low comparing to total loan amount $744K. And it was not qualified for HAMP either because it pass the limit. Then BOA sold my loan to E-Trade effective 7/1. I had thought I couldn’t do anything, until one day I was reading some news/postings online and found Restreport.com could help. So I tried and called the 1-800 number. I am now so glad that Valentino picked up the phone. He became my case manager and he is very good. At the beginning, I had a lot of doubts, concerns, and questions….because of fear of scams. But it turned out CDA is a truthful firm. Val followed up with my concerns and questions very quickly. He said he wanted to make clients happy and he did. He was always there available for me in each stage from the beginning evaluation, to doc preparation, and then to loan negotiation although some other specialist was assigned after signing retainer. I also want to thank Stephen – my loan negotiator. He was very patient when I asked tons of questions about how to prepare paper works and what to give to the lender. Without his knowledgeable advice, I could have spent more time in preparation or submitted unnecessary or wrong paperwork, that could delay my case. Thanks again, CDA law center and the people who work there!!!
Thank you CDA Law Center.
Thank you CDA Law Center for fighting to get our loan modification. I can not thank Crystal and Ray enough for their support. Very friendly people and I have already referred 2 neighbors to them. These people are the real deal! Thank you again CDA Law Center.
I would highly recommend them.
CDA LAW CENTER, Has been the most efficient company I have worked with in years! There response time is exceptional and they really know there stuff! The have been very helpful in every aspect of the modification. I would highly recommend them.
Thank you CDA Law Center!
CDA Law Center was a friend in time of need. I was behind several months on my house payment and one call to Frank at the center, reassured me that I made the right choice. His staff working with me, Lorraine and Jacqueline, were open and honest and answered all our questions. They put my wife at ease and kept us informed throughout the entire process. My payments were adjusted and I was able to stay in the home of our dreams and put us back on the right track. Thank you for the support and the help during a tough time. I would gladly recommend their service to anyone found in a similar situation as myself. Thank you CDA Law Center!
I am so happy with CDA law center.
I am so happy with CDA law center. They were so help full and caring mostly Jacklyne Davis. I was trying for almost a year to get a trial payment through my bank. I called CDA in April of this year and by July first I had my first trail payment. Today I got my modification. Thank You.
CDA Law Center is the real deal!
CDA Law Center is the real deal! I tried working with my bank (Chase) to get a loan modification only to be frustrated with having to re-send documents over and over until they finally denied me. After doing some research I decided to go with with CDA Law Center. They are very professional and always kept me informed throughout the process. Walt Proctor, Jacklyne Davis and the rest of the team at CDA Law Center did a fantastic job and after 3 months were able to negotiate with the bank and get me a loan modification. I recommend CDA Law Center for anyone that is frustrated working with their bank and in need of a loan modification.
We would like to recommend CDA Law Center to anybody
We would like to thank Valentino Adams and Crystal Oropeza at CDA Law Center for their expertise and knowledge. Thanks to CDA Law Center we were able top obtain a loan modification that will allow us to stay in our home. We started the process in April 2011 and we were able to have become eligible for a modification at the beginning of September 2011. Valentino and Crystal worked with us through the entire process and they always got back to us on time and with an answer no matter what the question was. Without CDA Law Center it would have been impossible to accomplish what we have accomplished in just a few months. We would like to recommend CDA Law Center to anybody who is looking for help with their home.
Stefania & Elvis M.
If you are in trouble with your mortgage, call CDA.
After being declined for a loan modification from my mortgage servicer, Chase Bank, I contacted CDA Law Center and spoke to Todd Jarrett. He reviewed my case and said I had an excellent chance for modification. I have owned my home since 1989 and desperately wanted to keep it. My financial situation had deteriorated severely over the last few years with the declining economy and I was struggling mightily keeping up with bills, including my mortgage. My mortgage payment was $3301 NOT including insurance or taxes. Todd put me in touch with Kristy Nichols who was to negotiate with Chase. In August 2011 I received notice that my house was to be sold at auction Sept.1st. The auction was postponed until Sept. 13th, and before that my loan modification was approved. My new payment is now $2400 INCLUDING property taxes and insurance. CDA knows what they are doing and both Todd and Kristy were knowledgeable and professional. If you are in trouble with your mortgage, call CDA.
CDA Law Center helped us stay in our home!
CDA Law Center helped us stay in our home! After two years of trying to get a loan modification on our own with our lender we were denied. We had been contacted by Anthony Perez at CDA Law Center in January 2011 to see if we would like any information about loan modifications. At the time I felt that we could do it on our own. In July I had a enough- our home was in foreclosure and our loan was now with a new servicer who could not speak to us until they got our complete file--45 days! After reviewing CDA Law Center on the Better Business Bureau I decided to call Anthony and told him we were ready for some help. Our home was due to go to auction in the next ten days. CDA Law Center went into action immediately. With the help of the CDA Law center team I gathered all of the pertinent paper work to submit to the new lender to stop the foreclosure and apply for the HAMP program. The day before the auction date we received notification that the foreclosure was postponed and we were being reviewed for a loan modification. During the process we had constant communication with Cristine Nichols (thank you, thank you). We were always able to get a hold of her by phone of email to answer any of our questions. We had a call once a week to let us know were our loan file was during the review process. The CDA Law Center told us what to expect during the process. We were never left hanging. At the end of the process we were notified that we received a loan modification. The team at CDA Law Center is a group of professional compassionate people who understand what it means to a family to keep their home. We would recommend CDA Law Center to anyone who is considering a loan modification. Sincerely, John and Heather H.
john and Heather H.
I would like to give a huge thank you to CDA
I would like to give a huge thank you to CDA Law Center for providing with the best service I have received. It all started by Megan and Susie from CDA law center giving us a call to see if we needed help with our mortgage. We were unsure about them because of our past experiences with two other law firms who provided us with horrible service at a high cost. We felt as if they were just fraudulent companies and ripped us off for our money. We even tried to get modifications through NACA and as well as ourselves but those attempts were unsuccessful also. But with weeks of thinking and analyzing what could be the worst possible outcome by giving CDA a try. So we made the decision to give them a try. Giving CDA Law center a try was the absolute best decision my Husband and I have ever made. CDA law center was able to stop our foreclosure sale date that was actually going to take place one week after we signed our agreement for them to represent us. After that it took no longer than a month to receive our trial payments for our modification. In as little as months time they were able to stop our house from being sold and putting us on the street to bringing our account current and reducing the payment by a little over 500 dollars. So I would like to say thank you from the bottom of our hearts for all of your help. You are simply the best at what you do!!! Sincerely, John, Anita and Lisa
We truly appreciate everything this company has done for us
After almost a year of trying to get a loan modification directly with Wells Fargo and not having any success I obtained the services of CDA Law Center. Like most people I was skeptical because you do hear of so many companies claiming to assist you with having your loan modified and it ends up being a scam. CDA Law Center is in no way a scam and they even exceeded my expectations. I would highly recommend this company if you are in need of a loan modification. CDA Law Center has ended all my nightmares and stress about the possibility of loosing our home. They are wonderful to work with and very professional. My Negotiator Suzie Bryant-Grijalva was excellent, she always responded in a timely matter and went over and beyond the typical duties of a Negotiator. Not only did she do an outstanding job with the negotiations but she was always friendly and many times would even make me laugh during this stressful situation. I can not thank CDA Law Center enough for all they have done for me and my family. We got the loan modification we wanted and we even got a 30-year fixed rate. We now can live comfortably with our mortgage payment and we do not have to worry about our rate ever becoming adjustable. We truly appreciate everything this company has done for us and we couldn't have asked to work with a better staff.
With CDA on your side you can't go wrong.
I want to share my experience in regards to my issue and the assistance I received from CDA Law Center In 2008 I completed a loan modification with Country Wide. March of 2009 I began to receive collections calls from B of A. I advised B of A about my completed modification with Country Wide. B of Claimed that there was no record. After months of forwarding docs copies of our paperwork they told me the best thing was to start process all over. After completing many months of so called trial modification I sought out a company, paid them close to $5000.00 and never received an update, come to find out they left me like a sitting duck. My husband and I were very much frustrated, living on the edge that B of A would just deny the modification, and so much wanting to put this torment behind us so that we can move forward and finish picking up the pieces that the falling housing market left us. Being burned once I was very apprehensive of who we can turn to for help I stumbled on CDA Law Center web sight. Prior to complete a modification application with them I did some basic research with the BBB the California Bar association as well as a friend who is in the legal business also do some back ground check for us as extra measure. After our research on CDA Law Center we felt a little more comfortable in filling out their intake sheet. A few days latter we received a call from Valentino. After several conversation with him we felt comfortable in proceeding with their Service. I CAN'T THANK VALENTINO AND THE REST OF CDA LAW CENTERS STAFF FOR ALL THE WORK THEY DID FOR US, we are more than please with the final outcome, it definitely was more than we could have ever expected., for example they were able to get us an awesome interest rate from the 7.25% Apr to a 3.25% Apr. Just as important I so appreciated that they kept us updated every step of the way. I received an updated about every two weeks, if they told me they would update me by a certain time, they did, weather there was any news or not., It was about a 4 month processes mainly due to B of A's delay. Just as important of not feeling abandon they explained everything to us as things progressed. I certainly understand your apprehensiveness, a lot of dishonest companies/people who are just trying to make a quick buck and taking advantage of peoples misfortune but with Valentino and their staff I was confident at the time and now know that they are their for you. There are honest people left out there and Valentino and CDA Law Firm are one of the few. With CDA on your side you can't go wrong. (sorry not trying to sound like a commercial) They hold a special place in our hearts. Good luck.
Thank You to all of you.
I have just completed the process of going through a Loan Modification, with CDA Law Center representing me. I would strongly recommend them for there professionalism and timely matter in dealing with the Institution that carries my loan. It was a long process and required a lot of patience on my part. If I had to do it again, I would definitely go back to CDA Law Center for there help. Having someone to represent me took a lot of stress off my shoulders, and it was stressful when I was close to losing my home. These people are very knowledgeable and Crystal Orpeza is the best. Thank You to all of you.
I RECOMMEND THEM HIGHLY
I WOULD LIKE TO THANK ANTHONY PEREZ AND STEPHEN PHILIPP ALONG WITH THE REST OF THE CDA LAW CENTER WHO DELIVERED WHEN THERE SEEMED TO BE NO ONE COULD. CHASE PLAYED GAMES WITH ME FOR ALMOST A YEAR BEFORE THEY TURNED DOWN AFTER PARTICIPATING IN A TRIAL LOAN MOD. PRETENDING TO BE GENUINELY CONCERNED, THEY SOLD MY LOAN TO LBPS. NEEDLESS TO SAY, CDA EXCEEDED MY EXPECTATIONS WHEN THEY GOT A PAYMENT THAT WAS 3000 DOWN TO 1700 A MONTH. IT TOOK SOME DOING TO GET US TO SIGN BUT YOU CAN'T ARGUE WITH DOCUMENTED SUCCESS AND PEOPLE WHO HAVE YOUR INTEREST AT HEART. I HAD COME TO BELIEVE THAT ALL THE LOAN MOD COMPANIES WERE NOT LEGITIMATE. ANTHONY WAS MORE INFORMED THAT ANY ONE I TALKED TO AND DID NOT PRESSURE ME. I RECOMMEND THEM HIGHLY.
I would LOOOVE to post this review for the CDA Law Center!!!!!
I would LOOOVE to post this review for the CDA Law Center!!!!! Todd Jarrett and Jacklyn Davis have made my life 100% better. In 2000 my husband was rushed to the hospital with end stage renal failure due to a doctors mistake he was 30 years old. We had to live through the horrible process of court just to make the mistake tolerable. We received a token settlement and bought our 1st house!!!! He then received a transplant and we thought that we were on our way to a rosy future, and that's when the bottom stated to fall out. We are self-employed and struggled to make ends meet, my sister then had a mental breakdown and we had to help with her financially, my daughter and her husband lost their home and had to move in with us. Then to top it all off, my mother then died of pancreatic cancer and the bottom fell out of our business. During all of this we were trying to make our mortgage and stay current, but that was impossible under all of these circumstances. When we finally got so far behind and after 4 tries of modification on our own, I contacted CDA. Let me tell you that was one of the BEST decision I have ever made. My modification brought a $5500 mortgage down to $2400 with a deferment payment on 95,000 of my loan!!! How awesome it that!!! I will always be grateful to CDA for saving my home for my family and my sanity, and anyone who ask this is were I am sending them.
Thank God there is the CDA LAW CENTER
I am so happy words cannot express how I feel. Tonight I can eat and sleep with no worries regarding the foreclosure on my home. I have lived in my home for 34 years. I missed 3 payments and boom my home went into foreclosure it was to be sold in 1 month. I contacted CDA Law Center, I found them on the Internet. That is the best move I have ever made worth every penny! They kept me informed as to every move they made. This however did not put me at ease it wasn't a trust issue it was the not knowing the outcome. I would look at my home and wonder if this was the last year of living in it. Suzie Bryant-Grijalva and Walt proctor did exactly what they had said they would do but again could not make promises just work hard at getting my home back to me. Not only did they get my home back they got a cheaper interest rate for me and lower house pmts. I cannot thank them enough and thank god there is the CDA LAW CENTER, they are truly for the people. I owe so much to them when you think there is no hope call them. They are honest and there for you.....Thank you so much! This was for a Home Modification, I did not qualify for the HAMP. Don't get discouraged call them. It took 2 months for me to get my results. 2 months of not eating, sleeping and many tears. I called Suzi and Walt numerous times and they were always very professional and listened to my worries ALWAYS ALWAYS told me to leave it in there hands they were working on it, if they needed anything they would let me know. I will post this on my face book, and let everyone know that will listen to me about CDA LAW CENTER if in trouble call them. I had problems with trust issues, no longer! Thank you Suzie and Walt because of you i will not be on the streets or have thoughts about saying good bye to my loved ones. You honestly not only saved my home but my life.
You will not be sorry
This highly accomplished woman took me by the hand and guided me through one of the most frightening times in my life. The thought of losing my home was terrifying and she was there for me every step of the way. She is efficient beyond words, and at the same time thoughtful, kind, and polite. She returned my calls, my emails, my faxes, constantly reassuring me that everything that could be done was being done. I trusted her and I was right to do so. I did get a loan modification on my home and CDA Law Center was instrumental in that process. Everyone at CDA was professional and honest and I would recommend them to anyone, anytime. Ask for Crystal Oropeza...you will not be sorry. She is amazing.
I would use them again and recommend them highly
I have been working with CDA Law Center since last December on a loan modification for our home. Before engaging them, I did some research on the Internet and were persuaded by positive feedback to move ahead. Companies doing loan mods like CDA have been under attack as they charge money up front to begin the process. This makes it even more risky a choice as most of us don't have extra money lying around otherwise we would not be seeking loan mods to begin with. That being said, I have nothing but good things to say about CDA, their process, their follow up, and their persistence with both the client and the bank over an extended period of time. In this case, they were able to negotiate a loan mod for us...not as much that we may have hoped for...but a huge help that will save our home and allow us time to regroup over time. I want to give "special" thanks to Valentino Adams who got the ball rolling with us and a "very, very special" thanks to Suzie Bryant-Gryalva, our negotiator. If you call CDA, be sure and request to work with both. Their personal dedication to their clients is exceptional. Bottom line, I would use them again and recommend them highly.
Try the group at CDA Law Center!
Thank you, Hoff Ghani, Ryan Jacobs and Suzanne Bryant! If you are reading this please continue reading. The people at CDA Law Center are fantastic! You can count on them to respond to your inquiries and truly care about how you are being attended to as a their client. They made this whole process work for us. If you have been trying to modify your loan and your mortgage lender has not offered you any kind of response. Do not waste your time any further call CDA Law Center. We had tried to get a loan modification for almost two years the only response we recieved from our lender was,"NO". When we went through CDA Law Center it took the lender about three months to offer us a deal. We are now saving $825 a month. We are most grateful to Hoff for helping us believe that we could get our home loan modified. Secondly to our negotiator Suzie Bryant thank you, for always keeping us informed on the status of our application. We are now looking forward to remaining in our home and enjoying every minute of living in our house. If you are looking for a positive outcome try the group at CDA Law Center!
Doing myself a favor I called CDA
After working on my own to get a Loan Modification from my mortgage company, I just ended up with nothing!!! I gave up just to retain my sanity and my physical well being. It was close to a year doing it on my own until I heard about CDA Law Center sometime early June of this year. Doing myself a favor I called CDA and Mr. Ray Arocho was my first contact and my last ...AND GOT MY LOAN MODIFIED. Thank you Ray for not leaving me in this process and continue to give me the support, the encouragement and working hand in hand with CDA wonderful lady Negotiator, Suzie Bryant-Grijalva. Thank you very much Suzie for my modified loan and getting me a very acceptable negotiated new rate and monthly payment with some deferred principal amount. It has been a wonderful news to my family that we will remain living in our home. Please continue helping more people like me. Thank you also to the CDA Law Center Underwriter who made my modification possible. MORE POWER to CDA LAW CENTER!!!
We definitely recommend CDA Law Center
My wife and I contacted CDA Law Center about two and a half months ago regarding the process of loan modifications, and we spoke to Todd Jarrett, whom we found to be knowledgeable, polite and professional. We did not understand the modification process, and what was involved, and what we needed to do in order to achieve a lower and more affordable loan payment. He was patient with us and explained the process over and over, as was necessary for us to understand. Our property was purchased in 2006, and like other people and their properties, the value went down significantly, and we found ourselves in a bad position financially and it seemed to be on the decline. We spoke with Todd, and he assured us, after he ran all the numbers, that we still were in a position that is favorable to negotiate a better payment than what we had at that time, which was about $2,050.00 monthly. There was no equity in the home due to depreciating housing markets, therefore, selling it was impossible. We believed in what Todd was telling us, and we knew we had to make a decision to trust in his advice. Then we decided to sign up for the loan modification through CDA, and when we did, Todd introduced us to a phenomenal lady named Jacklyn Davis, who is a loan modification negotiator. This lady is dynamic in her understanding of the loan process, and how to actively pursue the mortgage company in arriving at an agreement or settlement offer, which benefits both the home owners and the mortgage company. In stating this, and to clarify, it was determined through the negotiating process, that our mortgage lender would agree to a better case scenario by reducing our monthly payment for a fixed term, rather than us walking away from the house and leaving it unattended which we felt we were at some point in time, going to be forced to do. We received the good news on Monday, 08-15-2011 that the mortgage company agreed to a lower payment modification from the 2,050.00 per month, to a reduced fixed amount of $1,350.00 per month effective on the first of September, and that the new loan papers would be sent to us in about three months from now. My wife and I are still in awe over this news, and we immediately thanked those responsible for their commitment and help with our dilemma. With this good news, means we will be able to stay here in our home that we love, and the new reduced payment amount is a lower figure than the projected figure, at the time we signed up with CDA Law Center. My wife and I will also spread this good news to others, and we definitely recommend CDA Law Center to those persons who like us, were experiencing great difficulty in meeting monthly housing obligations. It was the best decision we made when we contacted them. Mike Smith 11518 Valletta Ave Bakersfield, California 93312 661-695-4435 firstname.lastname@example.org
God Bless them all for their care of us
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 modificatios. 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.
WE DID IT!!!!!!!!!
This is for CDA Law Center 120 Vanitas,Ste 405 Allso Viejo Ca 92656 I am writing this letter to let every one who read this that there is some honest company,s out there. I had other modification company's tell me they can help me to save my home and when they received my money they didn't know me or do any thing for me I threw away 4000.00. So when I heard from CDA Law I was very nervous and they would not do the same, And I said heard that before. When I give you my money you also won't know me. And they said no that they well not take any money until they do some work. I still was nervous but I try it. And then it went to the 1st step and they did just what they said. So I went to the next step. And that's when we talked to Suzie Bryant-Grijalva And she worked so hard for us and made us feel like we were human and keep us up to date with every thing and would call us or answer us to keep us in the loop. And we were denied and we asked her to keep trying for us and she did and didn't give up on us. I can't say enough on Suzie Bryant-Grijalva she was our savior and she is a great person. I really think that CDA Law should be glad to have a carrying person like her on there team. People like her make the company go places and people like me who has gotten burn by other company's feel there is good company's still.Thank You again Suzie Bryant-Grijalva for being the person you are, And not given up on us. And we have our home she did SAVE MY HOME. WE DID IT!!!!!!!!! Thank You Barbara & Bob Bragdon
I would do business with them again
I would like to thank Cristine Nicholls for all of her help in obtaining a mortgage modification. The process was long and sometimes felt overwhelming, but Cristine was always there to answer any questions and to follow up. I was just completing cancer treatments when we began this process and wasn't sure I could get it all done, but with CDA's help we have saved over $400 per month in payments. CDA and Cristine did everything they said they would do and are an honest and forthright organization. I would do business with them again if need be.
I had hired someone to help me with a loan modification and(almost)was taken for a ride. Luckily I got my money back and found CDA to help me with my modification. Everyone was very nice and extremely patient with me especially since my trust level was so low. They came through with flying colors and helped me in what seemed an unending, impossible process. Crystal Oropeza was my final negotiator and somehow how she "pulled a rabbit out of a hat" for me and got a modification in what seemed the final hour. Thank you.
I would recommend CDA Law Center to anyone
Every person from CDA Law Center that I spoke with was curtious, professional, and treated me respectfully. CDA was able to assist me in obtaining a loan modification that will enable me to keep my home! I had hired another company and after 1 1/2 years was being told it is still under review and very little contact, I terminated my contract with them and signed with CDA Law Center. In less than 5 months, CDA was able to negotiate a loan modification and give me peace of mind. I would recommend CDA Law Center to anyone who is in need of assistance.
Thank you CDA
In December of 2010 I received a letter from my mortgage company indicating I was not approved for a loan modification, followed by another letter stating we had until January 16, 2011 to bring the account current or face foreclosure. I had already paid an attorney to help me with the process, but after 20 months, I was denied. I was desperate and did not know what to do. I had lost confidence and faith in attorneys. A friend of mine recommended Rest Report Matters, who did a thorough analysis of my situation, showing I did qualify for a loan modification. Once I was given the report, they recommended several law firms. I was hesitant based on my prior experience (throwing away my money for nothing). I went with my hunch and decided to contact CDA Law Center. I was skeptical, but I was desperate. I was fighting to salvage our home. CDA Law Center put together a team to work with me; each member with specific tasks for me. During this time I had a bad attitude, I was a difficult client to deal with, I did not have much faith, but had to finally trust that I had nothing to lose. In summary, what the other attorney could not do in 20 months, CDA Law Center was able to get my loan modification approved (with one of the most difficult banks) in only two and a half months. I now recognize there are good law firms out there and CDA is one of them. Without them, my family and I would have lost our home. Beware of scams. There are many predators out there trying to make a fast buck during these trying times. People are desperate and will do anything in trying to save their home. I strongly recommend CDA Law Center to assist you with your approval for a loan modification. You just need to follow the steps laid out to you and they will deliver. Thank you CDA. Thank you for giving our family an opportunity to remain in our home.
We highly recommend CDA LAW CENTER
To Whom It May Concern: We contracted CDA Law Center in October of 2010 to help us secure a Home Modification Loan from Bank of America. Our negotiator was Suzie Bryant-Grijalva. It was been a pleasant and stress free experience. We provided the information she asked for and Suzie kept us up to date on the negotiations. Gayle & I were impressed by the timely responses to our questions and the information that was sent by e-mail. It was a pleasure working with Suzie. She not only accomplished what she told us was possible, but she was always pleasant, kind and professional. We highly recommend CDA LAW CENTER and its staff of professionals to any and all who need to negotiate a Home Modification Loan.
They Get The Job Done
With so many folks trying to keep their homes these days, I would like to recommend anyone looking for a loan modification to go through CDA Law Center to get help. Two and a half years ago I started with another Company to get a loan modification and more than halfway into it they pulled the plug and went out of business and of course kept our money. I then tried to do this modification myself only to be turned down. I was desperate and turned to CDA Law Center for assistance. Susie Bryant has been my negotiator and keeps me well informed and up to date on the whole process. This has not been easy for her since I have become more than a little paranoid about the whole process. If you are trying to save your home, I highly recommend that you give them a try. I just learned that I am on trial with my mortgage company for three months and then if I meet their criteria my mortgage will be half what it was before. CDA is professional, they always return your calls, and they Get The Job Done. Thanks to them, I can remain in the home that I love. You can try HUD and the telemarketers, but if you truly want results, I suggest you pay up and let them take the reigns.
I will always be forever grateful
My husband and I hired the CDA Law Center to help us with a modification , since our lender was not willing to work with us. I had the pleasure to have a such a incredible team at the CDA law center on our side . Thanks to God and the amazing hard work of these individuals who really want you to keep your home , that I can happily say I have a home for our children and a place I can call home.I would highly recommend the firm, to anyone who has found themselves in a hardship situation.Once again thank you Suzie for going above and beyond ,I will always be forever grateful.
I cannot thank the CDA Law Center enough
I would recommend CDA Law Center to anyone looking for help to obtain a loan modification to stop a foreclosure. From the first time I spoke to them up until I completed the process they were constantly in touch answering any questions I had. Even though my house was in foreclosure for over two years they were still able to help me obtain a modification. My modification specialist, Crystal Oropeza, was extremely helpful throughout the process and always was in touch. I cannot thank her and the CDA Law Center enough.
Thank you CDA for all you've done for me
My experience with CDA Law Center has been nothing short of fantastic. The CDA team has completely shouldered the communications, and ultimate stress and responsibility on my behalf. This has allowed me to focus on my work, enabling me to obtain the modification needed to keep my home that I worked incredibly hard to purchase. The road has been long, not due to CDA, rather the bank, and CDA guided me through the steps, explained the process fully and kept me positive in a incredibly difficult process. I never had to field phone calls from the bank or be burdened with repetitive financial work. CDA took great pride in handling the process and I'm eternally grateful to the personal attention that these folks ensued. There are some shady people and companies out there peddling loan modifications, but I can tell you that CDA is upfront and honest - if it isn't going to happen - they tell you so you can research other alternatives. Thank you CDA for all you've done for me - at times I wanted to give up and you never let me.
I contacted CDA Law Center for help
After my mortgage disaster created by the fall and fraud of Taylor Bean and Whitaker, I embarked on a painful attempt to have my mortgage modified by the new servicer Ocwen. After 18 months of trying and a few failed attempts, I faced the reality that I was at the end and I was going to loose my beloved home; a property that I had sunk literally sunk my life savings in as the down payment; and now the house was worth a third of what I had paid. Even still, I desperately wanted to hold onto the house. In one last attempt I contacted CDA Law Center for help. I was skeptical despite constant reassurance from Anthony that there was indeed hope for me and that they would do everything possible. After careful review of my financials CDA Law center agreed that I did qualify for the program and so they submitted my package to Ocwen for modification review. In less than 2 WEEKS! I received my trail payment acceptance letter. I read it as I sat in my work cubicle and cried; tears of joy of course. The thought that I may get to actually keep my home for myself and the 5 people who depend on me was overwhelming. Thank you Anthony, Cristine and the entire staff at CDA Law Center
Thank you Suzie and CDA Law Center
Just a little note to tell you how happy we both are that Suzie Bryant was our negotiator. She got the job done with her persistence and she made us feel like we were very important to her and her company. She did a great job when no one else could do anything for us before(Parman Law Group). Suzie informed us of everything that was going on even during her recent marriage. That is hard to do, but her mind was still on her clients at a difficult time like that. We appreciate all she has done for us and we owe her big time. Our hearts and prayers go to her for saving us. Thank you Suzie and CDA Law Center.
William & Chris B.
CDA Law Center is a good company
I am writing this positive review mainly due to Jacklyn Davis with CDA Law Center. She was professional and patient with my up and down emotions during this process. It was a rough road and very emotional for me. Please know that this is a good company and helped me with my HAMP loan modification. It has been four and a half months but felt like it was two years. Be patient and allow them to do their job to get this completed. Be aware of the wrong information you may get from your mortgage company or friends who want you to believe you are getting ripped off. CDA Law Center is a good company and got this loan modification completed for me; I feel like a TON of bricks have been lifted from me. A word of advice would be, take notes while discussing the process. It is a lot of knew information and language used in this arena.
CDA law center end my 3years nightmare
CDA law center end my 3years nightmare with IndyMac Bank.I have try 3 diffrent companies to get a modiforcation.I`found them in December after I was serve with a judgement.The took my paper work and start process in Janaury and in April they was able to get the modiforcation finalize.The staff explain the process sinple and clearly,and most of all they return every phone call.
CDA's diligence will pay off
Suzie Bryant's follow up was consistent and timely. CDA as a whole delivered what they said they would, and made me aware of my responsibilities within the process. Suzie's continued follow through with my lender was the key to the successful result. Be sure your payment plan is clearly stated and agreed to by both parties before you start your program to eliminate confusion. We struggled with that early on, but got it worked out. Overall, a good experience. Be patient and CDA's diligence will pay off.
I would recommend CDA to anyone
Hi'my name is Oscar I yes want to said thank you to CDA law center for all the help,from the minute that I began speaking whit Laurie Marquez and Crystal Oropeza I knew I was dealing whit professional people.I would recomment CDA to anyone. thank you ones again for everything.
CDA did EVERYTHING
Initially, because of all the mortgage mod scams out there, I was very skeptical of CDA Law Center, especially considering they took about 90% of their fee from you before they even submit the package to your lender. I was nervous that I might have wasted a hefty 4-figure dollar amount for no reason, however I was on my last legs. I had submitted 3 times prior for a mortgage modification, and got denied all 3 times. My experience started with talking with Frank, one of their originators. Frank was a very pleasant person to speak with, and he was INCREDIBLY knowledgeable about the mortgage industry and how lenders operate. He spent the time to answer all my questions about that, as well as pre-qualify me for the mod program based on my income and other information. I decided to go ahead and pay the fee and see if CDA could help me. In short, CDA did EVERYTHING they said they'd do, including detailed paperwork, management, negotiation, followup, and communication with me. Obviously, they can't promise a modification, but their knowledge of the system and the process, their access to the REST report, and their good lender contacts make them an invaluable resource. My negotiator there at CDA, Suzie, was incredible. She was incredibly diligent in following up with me and my lender, and making sure the process was always moving forward. She fought hard for me every step of the way, and on top of it all, she's a wonderful person. I was lucky to be represented by her, and at the end of it all, couldn't have asked for a better end-result. I got my modification acceptance, and I'm happily on my way to staying in my home and rebuilding my life. Thanks Suzie!
We really could not have done this without you!
Our current mortgage crisis has been a cause for a lot of great families to loose their homes. Thankfully, I found a great team of people with a great organization to do what they do best! Home Modifications. Suzi! We want you to know that we are very pleased with the quality of service you provided to us. We sincerely appreciate your responsiveness and the way you conduct business. Suzi, thank you very much, we really could not have done this without you!
Mr. Amir I.
Thank you CDA Law Center
My wife and I have found CDA Law Center to be a saving grace in our loan modification. Because of them we were completely organized and prepared to go into mediation with our lender. I feel that it is because of them we have a fighting chance to save our home.
My experience with CDA were the best
I have been working with CDA Law Center for quite a while for the purpose of Loan Modification. I found them to be professional, informed in the area of Loan Modifications and highly recommended; they did not disappoint. The Loan Modification was a very time consuming process, but everyone I came into contact with were very patient with me and kept me abreast of all that was going on with my modification via email and telephone communications. CDA was also able to work with my schedule to pay and did not require all monies up front. Each area of the process requires a different contact person, as they each had there on area of expertise. As the process continues to move forwards the remainder of your communication will be spent with a Negotiator; Suzie Bryant was my Negotiator. She did an excellent job of keeping me informed, ensured that all my paperwork was submitted on time and assisted me anytime I had questions. She was very quick to return emails and phone calls, excelled in customer service, professionalism and attention to details. Her service was very personalized and made me feel as if I were her only client. When she was away from the office for a period of time, she provided me with the name, number and email address of the person who would be assisting me until she returned. Upon her return she initiated contact to inform me of her return and to update me regarding my Modification. My experience with CDA and Suzie Bryant were the best and if I had to go through the process again I would utilize them. I would also highly recommend them to anyone going through such a tedious process of a Loan Modification.
CDA was diligent in getting the job done
From the minute that I began speaking with CDA Law Center I knew I was dealing with a professional, excellent firm. The follow through on their behalf before ever receiving a single penny from me was better than anyone I had ever dealt with. What they say they are going to do is exactly what they do. Also what that suggest they think your mortgage holder will do around a modification is exactly what they did, CDA really knows their stuff. Lastly I probably have the worst lender out there and CDA was diligent in getting the job done. It was a pleasure to work with them and I will definitely recommend them to others.
HIRE THEM WITH CONFIDENCE
My wife and I hired CDA to re-modify our mortgage. They were very professional and easy to work with, they even worked with us on a payment option that was reasonable with our present financial situation. Our negotiator was Suzanne Bryant, I don't now if there is a harder worker on the planet. Any concerns that I had were handled immediately. I would recommend them with 6 out of 5 stars. It is in my opinion you couldn't hire a more efficient and professional Law Firm. I cannot think of not one negative thing to say about CDA. HIRE THEM WITH CONFIDENCE
I trust this company
Hi There, I would recommend anyone trying to obtain a loan modification to use this company. I did some research online and read the msnbc Mandelman matters report, and he highly recommended CDA Law so they were the first law firm that I called. I made an online inquiry and Lorrie called me back and we went over our situation and some financial information which was needed to access whether or not we qualified . I really liked the fact that they stated that they did not accept cases in which they felt would be denied. Lorrie called me back after underwriting looked over our financials and made the accessment letting me know that we did qualify and that they thought that they could help us. The whole process started mid August 2010 and my husband and I just obtained our permanent modification as of February 10 2011. We were approved first for a trial modification under HAMP( home affordable modification program) for 3 months, once our final payment was received it took about 3 weeks to receive the permanent modification. During this whole time period, CDA law kept in touch with us and answered all my questions and continued to make phone calls on our behalf and basically give us the piece of mind we needed. The price about equals to 2 loan payments which they spread out into 2 payments with a final payment of 149.00 when you receive your permanent modification. I really feel that if we had decided to try this on our own, we probably would not have gotten it. This is well worth the investment, and I trust this company.
CDA Law Center is amazing.
CDA Law Center is amazing.Suzie Bryant and Valention are two people I want to thank. Suzie and Valentino were so professional and quick to respond to any questions or concerns I had. They guided me through the entire modification process step by step. Suzie’s experience and professional skills helped me get through this very difficult time. I would recommend CDA Law Center to anyone. They made what should have been a very stressful process, nothing but easy for me. Again, thank you for everything.
CDA Law Center is awesome!
CDA Law Center is awesome! Suzie Bryant and Anthony Perez are two people I want to thank. Suzie and Anthony were so professional and quick to respond to any questions or concerns I had. (And I had many) They guided me through the entire modification process step by step. Suzie’s experience and professional skills helped me get through this very difficult time. Thank you CDA Law Center for hiring such competent and caring people. I would recommend CDA Law Center to anyone. Again, thank you for everything.
I am grateful to everyone at CDA Law Center
After many failed attempts and many months of corresponding with my lender, I was a little sceptical about using legal representation in an attempt to engage my lender in pursuit of restructuring my first mortgage loan. With all the bad press and scams out there I didn't know where to turn. I began researching companies offering homeowners assistance with mortgage loan modifications programs and came across CDA Law Center. From the beginning, when I first spoke to my case manager to the final phase of the process with my negotiator, Suzie Bryant, CDA Law Center was upfront, professional and represented my interest in helping my family secure a HAMP modified loan that I could afford. Yes, there were many hurdles to jump through, lots of paperwork that I had to submit and constant correspondence between CDA and myself. They however, guided me through the various steps and kept me informed about the progress of the negotiations. They responded to my inquires in a reasonable amount of time and were successful in negotiating a Home Affordable Modification. On February 1, 2011, I received the paperwork from my lender for a Home Affordable Modification Agreement. I don't believe I would have been successful in securing this modification without the guidance and representation of CDA Law Center. I am grateful to everyone at CDA Law Center who worked so diligently to make this modification a reality, especially Suzie Bryant my loan negotiator. I am also grateful to my lender, LBPS for reviewing my particular situation/case and deciding that I was eligible for this modification. If I didn't get this modification I would have not been able to remain in my home. This is what Congress set out to do with this program (HAMP) and this is what this program was able to do for my family, help us keep our home! Sincerely, M. Rojas
My son and I THANK YOU!
CDA Law Center helped me modify my mortgage loan and save my house from foreclosure. CDA was very professional. My negotiator Suzie Bryant sent regular updates as to where we were in the process of the Loan Modification. Any questions that I had were answered in a timely manner. My modification has been approved. I am pleased with the services that were provided by the Center. Way to Go! My son and I THANK YOU!
They were professional, efficient and patient
After trying unsuccessfully for 6 months to acquire a Loan Modification with Bank of America, I hired CDA Law Center to be my advocate in June 2010. Tyler Bass and Suzie Bryant guided me through the paperwork process and consistently followed up on the phone with BofA as to the state of my request. They were professional, efficient and patient with all my inquiries. Seven months later, I was granted a trial Loan Modification and cannot adequately express my gratitude to CDA for their invaluable help! Lynn Christy, Azusa, CA.
I would like to state that this company is good for their word and performance. Special thanks to Suzanne Bryant and Anthony Perez. They practically held our hand through the entire process. We received an acceptable modification on our home loan with BAC. The prior loan had an ARM, the new mod. has fix rate with 3.0 interest. WONDERFUL!!! We had not paid mortgage for 2 years and CDA Law Center saved our home. Many Thanks!!!!
I would definitely recommend CDA
I was very pleased with the way they responded to my foreclosed home! I thought that they were very professional. I would definitely recommend CDA to anyone who is looking to saving there home from the BIG Banks!
Thank you CDA for everything!
My parents had an increasingly rising debt. The only options that realistically remained were bankruptcy and or loosing their home. I was doing a search for debt consolidation companies that also could do loan mods. I did an online comparison and they were in the top 5. I'm so grateful that we chose them to help. They guided us from start to finish. They not only helped us through the modification process, they recommended a debt consolidation company to reduce the credit dard debt as well. As they told us from the beginning, it has to be a team effort. We provided the information that was needed quickly to CDA so that they had the best opportunity to help us. The process from start to finish took approx. 6 months to get the government loan modification. We've made the first 2 of 3 temporary modification payments and we are 1 month away from receiving a permanent modification. A special thanks to Valentino for getting us started & especially Suzanne Bryant who is still keeping tabs on us to this day! Thank you CDA for everything!
Vincent & Esther D.
Thank you CDA Law Center
To whom it may concern; I am writing to you to tell you how wonderful CDA Law Center has been to me. From the moment that I contacted them they made me feel that my situation is their highest concern. They helped me with the preparation of the paperwork and explained to me what they would do to insure that I would not lose my home. They dealt with the mortgage company so that I could put my worried mind on my children and family. I would like to give a special thanks to Suzanne Bryant for all the help and peace of mind that she gave me during this extremely hard time. Her expertise in this matter was a God send to me. Thank you CDA Law Center for caring about the hard working people in this world that need a little helping hand to get back on their feet.
We really appreciate all your effort
I had previously tried to establish a loan modification on my own. But, I was unsuccessful. CDA Law Center was able to step in and come up with a working solution. We would like to thank you for getting our interest rate down to where we can get our bills paid without all the stress. I was very skeptical about this (sorry), but you did what you promised and earned your money. Suzie Bryant and the great CDA team We really appreciate all your effort. A job well done. Thanks again, The Diaz
Thank you so much for your help and your support
CDA Law Center from the start were very positive and made my husband and I feel that we finally found people who had our backs. Our negotiator, Jacklyne Davis, came through for us in flying colors. She was always available to answer our questions and put us at ease. We contacted the bank (BOA) ourselves and tried to see if we were eligible for a loan modification. At first, we were given the impression that it was possible and started the process. Everytime we call to get an update it was hard to get a precise answer, until one day I was able to reach the person handling our case who told us thad we had out-of-pocket cost of over $9000. Instead of a loan modification they wanted us to refinance. If we had $9000 would we need to modify our loan? This is where CDA came in. My husband got their number somewhere and we contacted them and we got the results we were shooting for. Thank you so much for your help and your support.
I am truly great full
I am writing this letter because I feel by not doing so would be a great disservice. First I would like to introduce myself. My name is Bregita Wright. I am married and have two young boys. I live in a wonderful area in a home I adore. We are small business owners. Two years ago the economy began to affect our income. Last year we feared we would lose our home. Desperately I sought assistance. I was approached by CDA. To be honest I was very hesitant but given our circumstances at that time, there was little choice. Our case was assigned to Suzanne Bryant and for this I would like to express my sincere gratitude. Suzanne is an asset to your law firm and a wonderful human being. Her manner is professional and sincere. She is motivated and passionate. I appreciated her forthrightness, honesty and understanding especially with regards to our situation. Her consistently excellent service, promptness and enthusiasm was a wonderful breath of fresh air in hard times and kept me in a positive and motivated place with her vibrant energy. She always seems to make something positive out of negative events. Her tireless effort was inspiring. Her knowledge combined with her persistence made sure we completed what we needed to before our deadlines and accomplished our goal. I would like to express my sincere appreciation to Suzanne for all she has done for us. I thoroughly enjoyed working with her and am truly great full. Regards, Bregita Wright
We will be forever grateful to CDA Law Center
I would like to share our experience with CDA Law Center and Jacklyne Davis. We had been trying to get a loan modification with Bank of America, first by ourselves then thru a past client who is an attorney who was doing loan modifications. After more than a year he was unsuccessful and the bank file an NOD and was proceeding to foreclose on us. He said oh well we tried... We hired CDA and what a breath of fresh air. The communication was outstanding!! Although we were turned down for every program Bank of America had available Jacklyne never gave up! Our foreclose sale wss postponed 5 times. Bank of America had turned us down 7 times for the modification that we know of and then the miracle happened we received modification documents by federal express. What they offered was even better than we could have imagined. When we say that Jacklyne saved our home is an understatement!!! We will be forever grateful to Jacklyne and CDA Law Center and sing their praises every chance we get.
I've recommended a number of friends to CDA Law Center
I spent many months giving my previous mortgage company information for a "loan modification". After several months and phone calls, I was refused a "loan modification" stating they couldn't help me. I was at the point of not knowing what to do. One evening I was sitting at my computer at home and decided to go on line looking for a law firm to talk too. CDA Law Center is the only one I contacted and from that point on, they assured me they would be able to help. Suzie Bryant was my negotiator and always had my interest at heart. I felt so relieved overtime I had communication with her either by email or phone. Suzie took the process of the paper work step by step with me and explained everything very thoroughly. I've recommended a number of friends to CDA Law Center since. CDA Law Center and Suzie Bryant helped me keep my home and I thank them for that. Regards, Sue Rohde
Big Thank you to everyone in CDA Law Center
I just wanted to thank you kindly and let you know that we are very greatful for your help and for the peace of mind you have given us, with everything that you have done. Now our pet name for you in our house hold is.....Suie the Angel!!!!! Because thats what you have been to us. Again thank you for everything. P.S. A super Big Thank you to everyone in CDA Law Center...
I highly recommend CDA Law Center
CDA provided exactly what they promised. They explained the process very precisely. Did not promise anything that they couldn't deliver. Jackie was fantastic. She kept me posted on a very regular basis. If you are thinking about a Loan Modification I highly recommend CDA Law Center.
I would recommend CDA Law Center to anyone
About a year ago I was in dire need of getting my mortgage modified. I tried working with my lender to no avail. I started researching different companies/lawyers online to see if anyone would be able to help me. At one point I filled out a brief form and was contacted not too long after by a very nice woman named Angela Owen from CDA Law Center. She was so amazing and patient. I asked her tens of thousands of questions and she took everything in stride, was very knowledgable and worked with me to determine exactly what it was I would need help with. From there I was assigned to Stephen Philipp who was just amazing. Again, very patient, listened to all my concerns, and helped me out with everything. In the end, my home was saved from foreclosure and both my small and large mortgages were modified to payments that I could afford. My home was saved because the people at CDA Law Center, such as Angela and Stephen, were working with me and helping me. Without them I would be homeless, living on the streets. I would recommend CDA Law Center to anyone and everyone that needed help with the loan modification process. I feel as though they literally saved my life!
Thanks CDA Law Center
My husband and I fell onto tough times for the last few years. We sold everything we could to pay bills and to pay the monthly mortgage.I am very happy with the results I got from CDA Law Center. They are the real deal!! I am so glad I made contact with this law center to help me with my home loan modification. There was no way I could have done this by myself. Jennifer Valko, Lorraine Whitford and Jacklyne Davis were so helpful and understanding. The communication was wonderful, every email and phone call was answered promptly. CDA Law Center worked directly with the bank on my behalf to not only save me from foreclosure, but to lower the interest rate and to lower my monthly mortgage payment. I am now in a position to afford my mortgage again and to have a fresh start! Thanks CDA Law Center, you get high marks from me!!I will recommend this company to anyone who is also having a difficult time with their mortgage.
I have & will recommend this company
CDA Law Center Has been a blessing to my family & I. Suzanne Bryant was such a help! She explained everything to me & kept me updated weekly if not daily. (I think I drove her nuts!) Bad times hit California and unfortunately I also was smacked in the face, 1st. My property taxes went up, than I was furloughed at work. My finance started to snowball to make ends meet. Than I found out about CDA Law Center. At first I was hesitant, I could not afford to pay a company to do nothing and I loose my home. But I also could not afford my house payment. I was amazed how fast CDA got the ball rolling. Everything I had tried to do on my own, only to be denied, now was being reviewed by my lender. Suzie was able to drop my house payment at a savings of $1,192. I am positive without the help of Suzie Bryant & the CDA staff, I would have lost my home. Also would like to mention Daniel Zeleznik who was my initial contact and sent to me Suzie. CDA, Suzie is an asset to your company! I have & will recommend this company to anyone who needs help with their home loan. Thank you, Patty Kirtley Galt, Ca.
Thank you CDA law firm
I wanted to write a review on CDA law Center and even more specifically on Suzanne(Suzie)Bryant. I honestly and truly cannot say enough of how much I appreciate their work and the help they gave us in getting our home loan modified. We bought our home at the top of the market and when everything started going south with the economy I decided to be proactive and start asking our bank how we could get a loan modification to avoid any trouble. The bank pretty much ignored me for months then as our financial situation really started to deteriorate I desperately tried the bank route for a modification. We were denied because they kept putting the wrong information into their system. We tried for 6 months with no help. I was very cautious about using a "3rd party " to help us, but Suzie took the reigns and made me feel so comfortable. She treated us like we were part of her family. She kept in constant contact with us throughout the whole process - it truly felt like she was really invested in helping us. The day our loan modification came through was such a wonderful day and our home is secure with special thanks to Suzie and her dedication. I continue to recommend CDA to all my friends - especially those that went with other companies and routes and still cannot get the loan modification. They are upfront, realistic, and produce results! Thank you CDA law firm and Suzie for doing such a great job. If I could give 5 more stars plus a smiley face I would.
I am thankful for CDA Law Center
I recently had a very good experience with CDA Law Center. I am a homeowner who fell victim to economic stuggle. My mortgage became more and more difficult to maintain. I seeked help from CDA Law Center a few months back, and was contacted by a negotiator named Suzie Bryant. She walked with me through the entire Loan modification process, which took several months to complete. She stayed on top of the lending company, and kept me abreast of all communications. I am happy to say that my mortgage rate has recently been reduced by 3%, and is much more manageable. I am thankful for CDA Law Center, and especially Suzie, for getting me in a position to better control my finances.
Thank you the CDA Law TEAM for everything!!
My experience "in the last 5 months" with CDA Law Center, was excellent! I would totally recommend this Law Center to anyone that is facing foreclosure and needs help. I was their just five months ago, not sure where to go, worried about loosing my home and what little money I had to hire an attorney for help. I tried to apply for this modification on my own, but was turned down with little effort, collection calls starting and no where's to go, I then turned to the Internet for help. After doing a lot of research on law firms with the BBB and blogs, I decided on CDA, why, because I was able to talk to the Sr. Attorney myself, to ask him all the hard questions, to feel that I was not being scammed. As the process started I was informed from day one, no surprises or hidden fees. Suzie, my negotiator was totally awesome, she was always their for me, keeping me informed and always willing to go the extra mile to help. Now it's been 5th months, been declined 3 times and Suzie not taken no for answer, my loan has been successfully modified and my home saved. Thank you Suzie and the CDA Law TEAM for everything!!
I would like to recommend the CDA Law Center to anyone who is in need of assistance in the way of a loan modification on a mortgage. When I first started this process on my own, I was declined twice due to different items that were not properly completed. Every time I contacted my lender I received different direction. At times I would complete and fed-ex documents only to receive the exact same documents a week later. It was a real mess. I found CDA Law Center on line and sent in my contact information. I received a call back almost immediately. My first contact was with a gentleman named Valentino who then reviewed my situation, consulted with his team and it was determined I had a good chance for a loan modification. I followed all direction, gathered all information, and provided all the items that was requested. A negotiator was assigned to my case her name was Jacklyne.Her expertise on the detail in respect to the formatting made a world of difference. Once the negotiation process was underway I was contacted weekly with a review of the status and advised of any developments. In the end I got more than I could have hoped for. My loan was brought current and my interest rate dropped by 2 1/2 percent. Thank-You CDA David Caldwell County Texas
Thanks for everything
It FINALLY done my Modification is completed and thanks to CDA Law Center. For the past year and half I tried to modify my loan by myself thinking it was easy...It was a rude awaking not just for me but my wife. My loan was always moving from different lenders and every time I try to modify I was getting denied. I was under pressure scared that I was going to lose my home. A friend told me that he knows somebody that could help us, I was little skeptical about it, but I was running out of ideas and help. I get a call from Val Adams from CDA Law and explain to me how CDA Law is all about helping and saving your home. We were a little nerves since all we hear are scams taking your money and not helping and mailing scams of help modify loan. Me and my wife look in to CDA Law and felt very comfortable what we read on the website and decide to give it a try...After all the lender denied me for the last time. Val Adams was great helping us to gather are information and always in contact with us making sure that we were OK. Four months past and I get an email from Tyler Bass with big caps say "GOOD NEWS ON THE MOD." By my surprise they were able to modify my loan even though I tried with the same lender few months ago. I told my wife if I new about CDA year ago I would contact them and ask for help, I would still had my hair I wouldn't be in so much pressure. Regardless what happen my loan is modify and I have my beautiful home and me and my wife are now relaxing. Thanks for everything Val and Tyler it wasn't for you guys I would be living with my in-laws. Thanks, Ruben Gonzalez Lakewood, CA
Thank you and God Bless you
Thank you so much to all of your team work and effort and time you took to help me with my modification. Within 30 days of the last phase of our agreement we heard the good news of being on a trial period to modify our existing loan. So I feel because of all the hard work your team puts into each case is a result of my journey being a success rate thru your hands. Especially thankful for Val Adams and Suzie Bryant on their dedication to helping others during these difficult times as well as helping my situation. My respect and well deserving praise to you all. Thank you and God Bless you always.
The CDA Law Center did a very good job
The CDA Law Center did a very good job. I would certainly recommend this service to others. Suzanne Bryant and Frank Allison were excellent.Suzanne was a great communicator, always returned my e-mails and calls as well as was very sympathetic to my situation. Thank you,
I would recomend CDA to anyone
Hello my name is CJ my husband and I were afraid we were going to have to walk away from our home due to a hardship.( Job loss/death of our child )I was told by a friend of mine to contact this company called CDA Law center ask for Ashlee Kinney explain our situation and see maybe if they could help us stay in our home. Well I contacted Ashlee after talking with her she explained the process of how these loan mods work. She said it was just as important that we do what is asked of us and that there were no guarantee faxed over a packet for us to go over we agreed to the terms they agreed to obtain us as clients. ashlee said in a few days someone from the law center would be contacting me and they were going to be working with me through this whole process. Suzie Bryant was given our case, she should of ran lol this young lady works magic I am not kidding , I called her crying saying the bank is going to foreclose on us I tried to explain to the bank what was going on but they didn't care I am rambling to this poor girl in hysterics. She said Christina calm down let me take care of it, I will call you back in little awhile try to relax alright. I said its almost 5 what can you do? I will tell you what she did-she had me set up with a temporary mod in less than 90 minutes. She called me back said they are going to put you on a three month trial your first payment is Dec 01 and to top it off, my payment was almost cut in half. I remember her asking me are you alright breath girl, slow down breath . Suzie these are tears of happiness. You know I can almost bet she was crying too. This was November 09 . Suzie sent me a email Saturday morning asked how my husband and I were doing and said she would call me Monday after the weekend to explain what we needed to do to get this permanent. But for now just relax and have a good weekend. The modification process did take longer than the usual three to six months the banks were saying.and Suzie continued the follow up calls with our bank once a week and emailed every week to keep me updated. Our loan mod became permanent June 2010 . Thank you Suzie you rock girl and CDL CENTER for hiring people who really truly do care. I would recomend this company to anyone who is about to loose there home. Christina Johnson
CDA Law work hard in your case
Hi, thank to everyone in CDA Law Center I really don't know what to said and how much appreciate that am i to you guy ,To save my house and my family to have a place to live. I'm very happy and appreciate my lady Suzie Bryrant, and julie litte thank so much for helping me, If I have someone need help i will recommed them to the CDA Law with out thinking cause you guy very awesome, cause the CDA Law work hard in your case and take very seriou work, and very honesty to get the job done. So I think we should give them a 5 star cause no one can get the job done just in 4 days suzie you very rock they safe my life.
I will reccommend their business
I am happy to say that i am very satisfied with the help that i received from Cda law. The Agents that were assigned to me were very knowledgeable and understanding everything was explained to me and all worked out fine at the end of the process. I will reccommend their business without any second thought.
CDA really held up their end of the bargain
Hi! My name is Nadine and I am a client of Consumer Debt Advocate Law Center. I talked to Valentino my Case Manager this week and he mentioned that some new clients were a little afraid to enlist with his company. I understand..My husband and I just went through the same tredidation trying to decide on a reputable firm to go with. We bought our house at the height of the market. It was really frustrating when our little house that once appraised for 618,000, was now worth 300,000! Our payment was $3,4000 for an old house built in 1960! I was about to give up and just let it go..until one of my customers (I'm a hairstylist) told me about CDA Law Center. I talked my husband into it and he agreed that was a good idea for us. They were great! I love Valentino and Jacklyn my Assigned Negotiator is wondferful too! I had to gather some paperwork and fax it to them, but otherwise CDA did all the work..which is good because I am not great at calling and hounding. I have been told daily calls are necessary during mortgage modifications...no thank you...not my style. CDA handled everything and we just received word that we were accepted into the modification!!! Our new payment is $1,643...WOW...less than half of the previous payment..CDA really held up their end of the bargain anbd I highly recomend their services..worth every penny!!
They did exactly what they said
I had an excellent experience working with the team of professionals at Consumer Debt Advocate Law Center. They did exactly what they said they were going to do. I'll admit that I was a little worried as the months past by and my late mortgage payments reached in excess of $20,000. But with their persistence and aggressive handling of my modification request they were able to reduce my mortgage interest rate from 6.5% down to 2.375% for the next five years; savings me as much as $80,000 in payments. And the best part is that my mortgage interest rate, even after 8 years will never go above 5.375%. I would highly recommend the services of this company.
Extremely responsive to my questions and concerns
I was introduced to this company by a professional associate that I have worked with for 10 years and whom I know to be someone who researches the compaies they deal with. On his recommendation, I called CDA Law Center and went through an initial review of my situation. Once they concluded that they might be able to assist me with my loan modification request, I was informed completely about the length of time it might take and that there was no guarantee that the modification would be approved. Payments for their work was requested and made in three phases...all of which I was notified up front and was always made aware when a payment would be taken. I quite honestly went into this with not much hope that I could get a modification...had read so many news articles about the federal program and the difficulties that homeowners were experiencing. However, I signed up with the CDA Law Center company in January 2010 and I just received the modification paperwork for my signature (in July 2010). During that time, I worked with Stephen Phillip, a Director of Negotiations. I found him to be easy to work with, but more importantly, extremely responsive to my questions and concerns. I could always expect an answer to my phone or email questions almost immediately. I am grateful beyond words for the assistance and professionalism shown to me by everyone I came into contact with at CDA Law Center.