"Many thanks for saving our home and keeping us informed through out the case. Your representaton was outstanding."~~S.R.

"Thanks for taking over our case and saving our home." ~~D.W.

****If you have been a victim of a "credit counseling program", "debt management program" or home "rescue scam", we can help to get your money back, damages or both.   We have recovered thousands of dollars for payments made to programs that have misrepresented their status and their ability to provide an effective solution.   If you are in a debt "credit counseling" or "debt management program", you may wish to determine:

1. Exactly what portion your payments is being applied to principal.
2. Exactly what portion your payments is being applied to hidden interest, costs and fees.
3. Exactly what portion your payments is being paid to the program for their benefit.
4. Most of these programs have huge advertising expenses, overhead, and expenses that are being paid by the people they are supposed to help.
5. If the program accepts funds from the very creditors they are collecting for, a conflict of interest exists.
6. If the program has represented they are non-profit, if any portion of your payments being paid to them for any reason, a conflict of interest exists.
7. FYI Before you pay a penny to a "credit counseling program" or "debt management program", you should request a written statement exactly what percentage of their customers actually complete the program and become debt free.   You will learn the percentage is extremely low.

****If you are behind in mortgage payments and your mortgage has been accelerated it is possible you can make payments and the mortgage company may not have any obligation to reinstate your mortgage, or return your late payments.

****As any decision can be made within hours, or at the most, a few days.   If you are hearing terms such as "mitigation department", "reinstatement department", "loss mitigation", you should be suspicious.

****Each day you that you are in default, and each day your case is delayed, will generate additional fees and expenses which benefit the mortgage company that you will have to pay which will make it more difficult to attempt to save your home.   Depending upon your facts, we know exactly what to do to force a prompt decision and to determine your very best option to prevent the sale of your home.

****If you are in, or have been in a Chapter 13, that resulted in failure, we have effective options for you.