Loan Modification: Do it Yourself?

According to an article in Parade, "...experts emphasize that finding someone to help you explore options and negotiate your best case with the right person at the bank can make an enormous difference." As the economy slowly recovers, now may be your best chance for staying in your home and lowering your payments through a loan modification. But don't 'go it alone', speak to an attorney or counselor who does not charge upfront fees and gives free legal advise. For more information, search Loan Modification: do it yourself?
To read the full article click; Loan Modification: do it yourself?

FREE LOAN MODIFICATIONS

We are offering Free Loan Modifications for the Month of May ONLY! to Internet Users via e-mail.

Free Loan Modifications

Start Loan Modification WITHOUT CASH!

The first law firm to offer a plan for Loan Modification on a contingency basis. When we successfully modify your loan, we will call you and then you pay us.

Until that time, you can rest assured that we are going to be working hard to modify your loan and get you into a payment that you can afford - legitimately earning our fees, instead of just charging upfront fees.

We feel this is the most fair way to treat a sometimes difficult process and make it financially easier and less frustrating for our clientele.


Start Loan Modification WITHOUT CASH!

Thousands show up for mortgage relief program in Miami Beach.

Thousands of struggling homeowners from across the country lined up at the Miami Beach Convention Center on Thursday in the hope of getting some relief on their loans.

Thousands show up for mortgage relief program in Miami Beach.

Entrevistas legales gratis en Florida.

Entrevistas legales gratis en Florida.

Solo pague gastos legales si se completa su modificacion hipotecaria.

Solo pague gastos legales si se completa su modificacion hipotecaria.

BANK OF AMERICA ANNOUNCES NEW LOAN MODIFICATION PROGRAM LOWERING BALANCES, NOT JUST INTEREST

According to an article in the Miami Herald last week, Bank of America, the nation’s largest bank, has announced plans to roll out a new program beginning in May which will finally bring real relief to home-owners who are upside down in their mortgages. For the first time, the bank will be lowering principal balances (not just interest rates) by as much as 30% in some cases, for qualified borrowers. Some market analysts speculate that other banks will follow suit as the costs for foreclosing on property continue to rise. A few other smaller banks have already begun forgiving partial balances in addition to interest in a small percentage of loans they service, but the practice is not common.

The article also states that “Bank of America estimates that about 45,000 customers will qualify for its plan” and that “homeowners must be at least 60 days delinquent on their loans and owe more than 120 percent of their homes' value.”

Loan Modifications can be a long and complicated process, using an attorney is recommended if you have questions regarding these programs, Alianza Law Firm may be able to provide you the answers. Feel free to contact us for assistance or guidance through the process of loan modification (with Bank of America or any other lender), or to discuss any other legal issues such as, bankruptcy, asset protection and/or foreclosure defense.

To read more on this program, click the following link to the article from the Miami Herald (dated 3/25/2010): http://www.miamiherald.com/2010/03/25/1545839/borrowers-offered-a-break.html#ixzz0jaWChFYL

HOW TO START YOUR LOAN MODIFICATION PROCESS WITHOUT PAYING ATTORNEY'S FEES UNTIL THE LOAN MODIFICATION IS COMPLETED.

Many law firms charge very high upfront fees for Loan Modifications and often do not get the job done. Many times they stop returning phone calls, never follow up with the banks, ask you for lots of documentation and you never hear an answer, or they simply cannot get the loan modified with your lender. Unfortunately, you are then out of cash and still stuck in the same process of foreclosure on your home. This entire process can be extremely frustrating and stressful. To make it worse, banks and collection companies continue to call you several times a day.

For this reason, Alianza Law Firm has become the first law firm to offer a plan for Loan Modification on a contingency basis. When we are successful in modifying your loan, we call you and then you pay us and begin your new payments with your lender. Until that time, you can rest assured that we are going to be working hard to modify your loan and get you into a payment that you can afford - legitimately earning our fees, instead of just charging upfront fees. We feel this is the most fair way to treat a sometimes difficult process and make it financially easier and less frustrating for our clientele.

We recommend that if you are looking to modify your loan, that you do not waste your time and money with other options who want to charge you expensive upfront fees and then make no promises to actually get your loan modified. Paying out of pocket, at a time when money is tight, is not the best solution. We recommend you call Alianza Law Firm to discuss the best strategy for your situation, since every one is different - whether it be loan modification, foreclosure defense, deed-in-lieu of foreclosure, short sale, bankruptcy, etc.

We also can assist you with other legal specialties, including immigration, tax law, DUI, worker’s compensation, accidents, and more. In order to best service our clients, we have offices throughout the State of Florida, from the Keys up to Tallahassee, including the Tampa and Orlando areas and beyond. Send us an email at info@alianzalaw.com . You can also visit our website at www.alianzalaw.com