Why Should I Retain Financial Relief Law Center, APC for Modification Help?
Obtaining a loan modification is not an easy process when working with
the lenders. Frustrated homeowners often contact our loan modification
attorneys in desperation after many failed attempts to work with their
lender on their own.
Our firm takes the guesswork out of the modification process, giving you
the peace of mind knowing that a professional, reputable law firm is handling
your case. Financial Relief Law Center, APC is experienced in working
with the lenders and their modification assistance programs and guidelines.
We will review your financial situation and analyze your income, expenses,
and debt ratios to determine whether you may qualify for modification
assistance. We will complete a due diligence phone call with your lender
to gain insight into your loan, followed by a conference call with our
head attorney to review the findings and to set realistic expectations
for the modification process and possible solutions.
Should you become a client with our firm, we handle all financials, paperwork,
and phone calls to your lender, taking the stress of trying to do it yourself
off your plate. Financial Relief Law Center, APC processes modifications
in compliance with SB 94 and therefore takes no upfront fee for modification
assistance.
What Can Financial Relief Law Center, APC Do Differently?
Regulatory Complaints
One tool we utilize is to file a consumer regulatory complaint with the
appropriate regulator to escalate the file review. This is a key tactic
when consumers experience unwarranted or unnecessary difficulty in attempting
to work with their mortgage servicer for a modification.
Our basis for regulatory complaints include the following issues:
- Servicer claim to not receive the homeowner’s modification application
- Lack of communication and response from the servicer and case representative
- Perpetual review processes without progress or meaningful updates
- Lack of knowledge or competence by servicer representative
- Misrepresentations made by the servicers
- Negligence in handling a homeowner’s modification request
- Failure to comply with MHA guidelines
- Failure to exhaust non-foreclosure options prior to foreclosing
Having a knowledgeable attorney who can effectively identify these issues
and leverage them to your lender, servicer, and regulator can make the
difference between losing your home and obtaining an affordable mortgage
payment and sense of security for your family’s future.
