“Dear Steve, I’m a single mother of 3 children (12yrs, 5yrs & 9 mths). I lost my job in the recession and recently divorced. Due to financial circumstances my home went into the foreclosure process. My mtg company denied me 3 times for a loan re-modification. I was contacted by National Advocacy Law Center promising me that they would be ... Read More »

“Dear Steve, Current on my first, discharged both 1st and 2nd mortgage in chapter 7, Chase charged off my 2nd, I have the money to pay Chase and bing my loan out of default. Since they charged off my loan they will not cure the default. I received a letter on 3/1/13 saying I had 35 days to cure. My ... Read More »

A reader asked me to review the client agreement Consumer Attorney Services is asking them to sign. I am not a lawyer. What follows is my review of what I read when looking over the client agreement. If you have a debt relief services agreement you’d like for me to review for you, upload it here. The McCann Law Group, ... Read More »

“Dear Steve, My husband was unemployed for 2.5 years due to medical issues. We exhausted our savings staying on top of the bills. In aug, 2012 he did receive a job, but is underemployed and the combination of our two paychecks are barely getting us by. We have an 80-20 loan on our house (from 2004) and our current 80% ... Read More »

“Dear Steve, My husband and I are behind on our Mortgage payments. After my husband hurt himself and was out of work for 3 months they put us on a 6 month repayment plan but it is coming to an end May 29th. We have filed bankruptcy and wells fargo knows this. We would like to keep the house if ... Read More »

“Dear Steve, National Housing Advocates- assists with obtaining loan modifications and lowering principles. They say I definitely qualify for their help services because I’m upside down in my mortgage. They only guarantee that they will help me with the paperwork and obtaining mortgage assessment report Their fee is $3500, and there was no mention of a money back guarantee. Are ... Read More »

“Dear Steve, Me and my wife filed bk 7 in 2011 and some how Wells Fargo didn’t get reaffirmed our second mortgage with First Tennessee did get reaffirmend.I was trying to get refinance but wells fargo wont because we didn’t reaffirm.I applied with quicken loans and after apprisal the property is only worth 81000 and I wanted to borrow 80,000 ... Read More »

“Dear Steve, Our mortgage was paid off in 2000. We refinanced in 2003 at 5.37% we owe 130,000.00. Went back to same lender to refinance for a lower rate (2.95 at the time) and everything was perfect as far as income/debt/credit, etc….however, they could not find enough comps for the appraisal. The work-up appraisal was 200,000.00….however the comps they found ... Read More »

“Dear Steve, I have read many of your articles about mortgage debt reduction. I am a little confused here. Is there not one “boutique” law firm in your opinion that really is trying to do something for us? I have read your postings about Resolution Law Group and am actually dealing with them now. I believe my mortgage was definitley ... Read More »

“Dear Steve, I need to schedule a call with someone as this issue cannot begin to be covered in 6 pages. Chase has neglected any and all communication with us, they never helped us with any loan modifications to reduce the monthly amount, no one ever kept files or records. We hired an attorney by the name of David Rogers ... Read More »

“Dear Steve, I have a fixed rate mortgage at 6.8% on my home I live in. The amount owed is more than the value. $380K vs. $300?K. A radio ad here in the Chicago market recently stated a company could assist home owners who were under water to get a lower payment. Mine is currently sitting at $3100 including T&I. ... Read More »

“Dear Steve, I received a mailer containing my name, my address, my last year mortgage amount, my mortgage servicer, an eligibility code and a toll free number of 800-859-8641 and a promise of loan modification to reduce my interest rate. When I responded to the number, I was told that they were The Remedy Group, composed of attys and investors ... Read More »

“Dear Steve, I have had many delinquencies concerning student loans in the past. At one point in time I thought I was in deferment but obviously I was incorrect. So I show substantial deliquencies in 2006. I actually finished school in 2008 and loans were deferred until 6 months after I graduated. I started paying payments on regular monthly basis ... Read More »

“Dear Steve, I responded to a solicitation for a loan re-modification from the Remedy Center in New Port Beach Ca. I sent them $3995 retainer(fee) to help me secure a loan re-modification. Is The remedy Group a scam? Jack” The Answer Dear Jack, There have been a number of variations on the Remedy name theme. You might want to look ... Read More »

“Dear Steve, I took in a friend of our family and he ended up ripping me off after he sold his property and never paid me back. I had to file for Bankruptcy and was cleared of that debt in April 2012. In the mean time I lost my state job, had no income and took a meanial job which ... Read More »