Mortgage Modification Law – Bankruptcy Law

Please report to me by e-mail and/or fax any communications you have received from your lenders. When you talk with your lenders, ask for names, phone numbers, fax numbers, e-mail addresses.

If your lender sends you forms to fill out, fill them out and send them to me. Let me review them and send them in on your behalf. If you have already filled out any forms and sent them to your lender, send me copies.

Important: If you have received a Notice of Default or Notice of Trustee Sale, fax, scan, or mail these too me immediately. And call me at 425-771-1110.

If you are behind on your loan, I want you to tell me how much and how many months you are behind.

If you are behind on your loan, I want to know how much you are able to pay on your loan or loans and when you can start paying that amount.

Each month please send me your latest pay stubs, latest bank statements.

If you have not already sent them, then send me your last tax return and W-2s. Lenders sometimes ask to see tax returns, so let’s get them in here so I can provide them immediately when requested.

If you want me to advise you on credit card debt modification, send me copies of all your credit card statements. Yes, credit card debt can be modified too.

James Robert Deal Mortgage Modification

The Obama administration and the banks are badmouthing “third-party modification companies.”The banks will do everything they can to convince you that you do not need representation. They will send forms directly to you without sending courtesy copies to your attorney or your modification company. They may send final settlement proposals directly to you and pretend your attorney or your modification company does not exist. Some lenders bad-mouth “third-party modification companies” in their music-on-hold recordings. Chase says it offers mortgage modification for free and to beware of any company that charges advance fees.

Their purpose is to get you to undermine your relationship with your lawyer or your modification company so they can negotiate directly with you. They know they can cut a better deal dealing directly with you than through your attorney.

Continue reading “Right To Attorney Representation – Mortgage Company Interference” »

James Robert Deal Mortgage Modification