Loan modification

jlstyle · 02-06-2012, 08:45 PM

I know it's bad place to ask for this question but I couldn't get any reviews from google on the law firm I'm seeking to use for loan modification.
Does anyone know about law firm "consumer attorney services, p.a.?
I'm just trying to see if they would worth my dollars to have them serve my case.
Thanks.

ideliver · 02-06-2012, 08:59 PM

You really should not need a lawyer to get a loan modification. There are non-profits and government agencies that should be able to help you for free

MisterSkiMask · 02-06-2012, 09:33 PM

do you have a second also?

a friend of mine had a first and second to deal with, he used an attorney and was glad he did, I didn't ask many pointed questions, I don't feel like its my place, but he found the attorneys guidance to be valuable.

it sounded like the second really complicated things.

LACSTER · 02-06-2012, 11:06 PM

If you truly need a loan modification there's no need to get a 3rd party involved just contact your mortgage servicer and apply for it. It's not a simple process but as long as you're on top of things it will be a breeze. I used to work in loss mitigation for a large non prime servicing company and you wouldn't believe the fees that these 3rd parties charged to fax documents for the home owners.

jlstyle · 02-07-2012, 10:11 AM

Thanks guys!

Jebus335 · 02-07-2012, 11:07 AM

Quote:

Originally Posted by LACSTER

If you truly need a loan modification there's no need to get a 3rd party involved just contact your mortgage servicer and apply for it. It's not a simple process but as long as you're on top of things it will be a breeze. I used to work in loss mitigation for a large non prime servicing company and you wouldn't believe the fees that these 3rd parties charged to fax documents for the home owners.

Hmm, based on your location, New Century? Ameriquest? Option One? Countrywide?

Just wondering if you and I have worked together...

LACSTER · 02-07-2012, 11:41 AM

Quote:

Originally Posted by Jebus335

Hmm, based on your location, New Century? Ameriquest? Option One? Countrywide?

Just wondering if you and I have worked together...

H&R Block Mortgage > Option One Mortgage > American Home Mortgage Servicing

Jebus335 · 02-07-2012, 12:15 PM

Word... mine was:
Ameriquest-->AMC Mortgage Services--->Citi Mortgage--->Citi Residential Lending--->Shutdown...

jlstyle · 02-07-2012, 01:30 PM

Quote:

Originally Posted by LACSTER

If you truly need a loan modification there's no need to get a 3rd party involved just contact your mortgage servicer and apply for it. It's not a simple process but as long as you're on top of things it will be a breeze. I used to work in loss mitigation for a large non prime servicing company and you wouldn't believe the fees that these 3rd parties charged to fax documents for the home owners.

It's for my dad and modification was denied from the mortgage lender after 5 months. Lawyer is saying sometimes banks do that just to put us in more debt, resulting in foreclosure or bring out the secret cash stash....
They want retainer of $1000 and $465 a month for a case length which would last between 3~5 months.

Would you recommend any other place?

Thanks in advance.

Bartman619 · 02-07-2012, 02:59 PM

you don't need a lawyer...you can do it yourself. You need to talk to the company you're trying to do a Loan modification with. Ask for an RMA ( Request for Modification and Affidavit). It will ask for your last 1040's, paystubs, W2's. After you fill the paperwork, you will have to go back and forth with your lender if they want for paperwork from you. And you wait, and hopefully they approve it. I'm going through this right now..and honestly it doesn't look good for me. Hope everything works out for you.

jlstyle · 02-07-2012, 04:06 PM

Quote:

Originally Posted by Bartman619

you don't need a lawyer...you can do it yourself. You need to talk to the company you're trying to do a Loan modification with. Ask for an RMA ( Request for Modification and Affidavit). It will ask for your last 1040's, paystubs, W2's. After you fill the paperwork, you will have to go back and forth with your lender if they want for paperwork from you. And you wait, and hopefully they approve it. I'm going through this right now..and honestly it doesn't look good for me. Hope everything works out for you.

Good luck to you too.

02-06-2012, 08:45 PM	#1
jlstyle Lieutenant Colonel 362 Rep 1,762 Posts Drives: Porsche Panamera Join Date: Jun 2008 Location: USA iTrader: (0) Garage List 2014 Audi S7 [0.00] 2015 BMW X5 [0.00]	Loan modification I know it's bad place to ask for this question but I couldn't get any reviews from google on the law firm I'm seeking to use for loan modification. Does anyone know about law firm "consumer attorney services, p.a.? I'm just trying to see if they would worth my dollars to have them serve my case. Thanks.
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02-06-2012, 08:59 PM	#2
ideliver Major 246 Rep 1,247 Posts Drives: E60 M5, E71 X6M, E46 M3 Join Date: Feb 2008 Location: At the gas station iTrader: (0) Garage List 2006 BMW E46 M3 'vert [0.00] 2008 BMW M5 [0.00] 2011 BMW E92 [0.00] 2012 BMW X6M [0.00] 2003 E46 M3 [0.00]	You really should not need a lawyer to get a loan modification. There are non-profits and government agencies that should be able to help you for free __________________ Current: 2006 E46 M3 'vert 6-sp 2008 E60 M5, 2011 E92 328 6-sp, 2011 E70 N55, 2012 E71 X6M
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02-06-2012, 09:33 PM	#3
MisterSkiMask Banned 149 Rep 2,014 Posts Drives: I Can not say Join Date: Nov 2005 Location: you must not know iTrader: (0)	do you have a second also? a friend of mine had a first and second to deal with, he used an attorney and was glad he did, I didn't ask many pointed questions, I don't feel like its my place, but he found the attorneys guidance to be valuable. it sounded like the second really complicated things.
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02-06-2012, 11:06 PM	#4
LACSTER Major General 781 Rep 8,279 Posts Drives: Hybrid Join Date: Nov 2007 Location: oc iTrader: (64)	If you truly need a loan modification there's no need to get a 3rd party involved just contact your mortgage servicer and apply for it. It's not a simple process but as long as you're on top of things it will be a breeze. I used to work in loss mitigation for a large non prime servicing company and you wouldn't believe the fees that these 3rd parties charged to fax documents for the home owners.
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02-07-2012, 10:11 AM	#5
jlstyle Lieutenant Colonel 362 Rep 1,762 Posts Drives: Porsche Panamera Join Date: Jun 2008 Location: USA iTrader: (0) Garage List 2014 Audi S7 [0.00] 2015 BMW X5 [0.00]	Thanks guys!
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02-07-2012, 12:15 PM	#8
Jebus335 Private First Class 11 Rep 151 Posts Drives: 07 335i Join Date: Jul 2011 Location: Ca iTrader: (3)	Word... mine was: Ameriquest-->AMC Mortgage Services--->Citi Mortgage--->Citi Residential Lending--->Shutdown...
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02-07-2012, 02:59 PM	#10
Bartman619 Captain 25 Rep 701 Posts Drives: Bimmer Join Date: Jun 2008 Location: SDCA iTrader: (2)	you don't need a lawyer...you can do it yourself. You need to talk to the company you're trying to do a Loan modification with. Ask for an RMA ( Request for Modification and Affidavit). It will ask for your last 1040's, paystubs, W2's. After you fill the paperwork, you will have to go back and forth with your lender if they want for paperwork from you. And you wait, and hopefully they approve it. I'm going through this right now..and honestly it doesn't look good for me. Hope everything works out for you.
	Appreciate 0 Quote