Our
foreclosure industry reputation is one of integrity and leadership, and we work hard to maintain that image.
Our track record of helping home loan performance gives us leverage with mortgage companies and foreclosure
attorneys.
Mortgage Modification is our specialty, we help thousands of homeowners every year by assisting with their
Loan Modification.
Our staff of certified loss mitigation experts will negotiate with your lender the best possible mortgage modification. Our
mitigation experts know how the foreclosure process is handled and will aggressively negotiate your options as a homeowner.
Why Use Professionals?
Our expert consultants can help you with the following:
Mortgage Payment: Your monthly mortgage payments are one
of your greatest financial obligations. If you think that you are at a point
in life where you might be unable to make your monthly mortgage payments
then our professional foreclosure consultants can offer help.
One to One: Our expert foreclosure consultants will
provide confidential one-on-one counseling to you so that they can review
your situation in-depth and then provide you the best solution possible. Our
foreclosure counselors will provide you advice based on your current
financial condition or situation. Their job is two fold: understand your
requirements and situation and develop a feasible plan so that your
requirements met.
Delinquency: Our foreclosure consultants will review your
income as well as your expenses so that they can provide meaningful and
useful advice on how to proceed. They will also help you in creating a
realistic budgeting plan. Our expert consultants will provide you with all
options available depending on your situation so you can meet all your
mortgage obligations and also take appropriate measures to avoid a possible
delinquency situation again.
Lender: If required our consultants can speak on your
behalf to your lender to work out a mutually beneficial solution. They will
also offer you advice and share information on how to avoid foreclosure in
the future.
Law & Associates has
consulted for numerous
agencies including the Department of
Defense. Our latest foreclosure consulting was
done for CBS47 News in Jacksonville
Florida where a retired Navy family
was in serious financial trouble
after retirement.
According to the Mortgage
Bankers Association, US home foreclosures and the
rate of homes entering the
foreclosure process rose
to record highs in the third quarter of 2007.
Around the United States, the local offices of
non-profit groups are doing much of the work to try
to keep financially troubled borrowers in their
homes. Mohammed Ibrahim works for one of those
non-profit groups, helping financially troubled
families at Staten Island, a middle-income borough
of New York City, try to
avoid foreclosure on their
homes. Mr. Ibrahim says he is overwhelmed by people
asking for help. "It's not only the sheer volume of
people needing help but the emotion," said Mr.
Ibrahim, a counselor at the Neighborhood Housing
Services of Staten Island in New York. "Each person
comes with a different story. Often they break down
and cry." The number of calls to his office jumped
last summer as the mortgage crisis gripping the
United States escalated. It rose even more in
October, when a national hotline that refers cases
to local groups like Mr Ibrahim's became a central
part of a government plan to
prevent foreclosures.
Between October and December of 2007, Mr Ibrahim
took on 63 cases, compared with 77 cases for the
previous nine months and just a handful in 2006. He
says after some holiday respite, January is already
shaping up to be even busier. Around the New York
region and in other parts of the country, mortgage
counselors report a similar onslaught of cases,
especially since Treasury Secretary Henry Paulson
announced the HOPE NOW alliance of lenders,
investors and counselors in October. "We're getting
so many calls about the government plan, but no real
answers on how we are supposed to help them," said
Eileen Anderson, who runs two Neighbor Works
counseling centers on suburban Long Island, outside
New York City. The number of calls to Ms Anderson's
offices rose more than tenfold in 2007 from the year
before, and since October more than half of those
calls have been referrals from HOPE NOW, she said.
While the HOPE NOW alliance puts troubled borrowers
in touch with counselors, both counselors and
borrowers complain it offers no financial help.
"There's no money, nobody has emergency funds.
Clients who are calling are desperate," Ms Anderson
said.
