The Loan Modification Firm

How We Can Help

Once your program has been established through the Loan Modification Firm, we will handle the negotiating process and protect your consumer rights.  Throughout the program, we will communicate to your creditors that you are represented by us and they are to contact you only through the Loan Modification Firm.

You will no longer be dealing with annoying collection calls from your creditors.

The Loan Modification Firm’s process has been developed over the years by our experienced team of professionals, which include ex-bankers and real estate attorneys who are highly skilled in their respective areas of expertise.  Through our established relationships with creditors and financial institutions, we are able to successfully negotiate our client’s mortgage or equity line of credit at a much lower rate.  Creditors are willing to negotiate with us with the understanding that the settled amount will be paid in a timely manner. 
                                                                                                                                               
We work directly, and 100% for you.
                                                                                                                                               

The Loan Modification Firm will contact each of your creditors, individually, and let them know that we are representing you, and your intent of settling the current debt.  Reaching a settlement usually takes several phone calls and other forms of communications between the Loan Modification Firm and your creditor.  Once a settlement offer has been reached, and you as the client have agreed on this amount, we will obtain that settlement offer in writing. 

Many creditors will not deal with anyone but experienced professionals. We deal with the lenders legal departments, bypassing the collection agents who only want to get as much money as possible.  This most often results in better settlements than any attorney or non-attorney program. We immediately send out to your lender(s) a Cease and Desist letter through certified return receipt mail, requesting that the lender stop ALL COLLECTION CALLS in accordance with the Fair Debt Collection Protections Act.