• Success Stories

  • Mortage Lenders
    Successes by Lender and State
    PHH Mortgage

    Julian has been approved for an In House Annual Modification, Payment will be $2,867.22, Loan was 39 payments behind, modification brought loan current


    Current past due is $16,617.07 without fees, Old $1025.94, New $963.65, Loan will be 40 years with same IR of 7.375


    Debra received a HAMP offer for July 2013, but after reviewing we found that before we had submitted a package, her lender made a courtesy offer almost $400 less / month, something not communicated to our office – with persistance we were able to get the original offer reinstated.

    New Jersey

    New: $2211.04, Old: $2266.36, they were brought current after being behind 7 payments.

    New Jersey

    Evelyn was was approved with a new payment of $1380.77 (old payment $1748.75) her interest rate was also lowered from 7.330% to 4.00%

    New Jersey

    Johnny was approved for a HAMP Tier 2 Modification, Old: $832.50 (inc. taxes and insurance paid by borrower), New: $587.54 (escrowed for taxes and insurance), a savings of $244.96 a month. Old Rate: 7.5%, New Rate: 4.75%


    Michael and Karen were approved for In-house Modification, Old: $1,508.93, New: $934.14, rate reduced from 5.5% to 4.625%, The modification brought the loan current after being behind 10 payments.

    These testimonials or endorsements do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.

    Attorney Loan Modifications is not affiliated with the government, and our service is not affiliated by the government or your lender. 16 CFR 322.4(a)(1). The information provided in connection with foreclosure defense on this website should not be construed as legal advice. Past performance is not indicative of future results. While this firm will be working on your case ancillary work may be performed by other attorneys.

    Loan Modifications and Federal Services. In order to comply with various federal and state laws, Consumer Defense may only submit a Qualified Written Request pursuant to federal law, including the Truth in Lending Act (TILA) 15 U.S.C. § 1601, et seq., the Fair Debt Collection Practices Act (FDCPA) and the Real Estate Settlement Procedures Act (RESPA), codified as Title 12 § 2605 (e)(1)(B) and Reg. X § 3500.21(f)2 of the United States Code, and provide federal review and monitoring of the client’s file for federal compliance (not state) purposes. Other than providing federal support as stated above, Consumer Defense cannot and will not assist with loan modifications, debt negotiation, and similar services. All loan modification, debt negotiation, and similar services, if any, will be submitted to Consumer Defense or other qualified non-profit corporation or local attorney.

    No Guarantee. These testimonials or endorsements on this website do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter or the scope of services now provided by Consumer Defense. We welcome your legal inquiries and look forward to hearing from you. Please contact us online or at (888) 980-7457 to set up a FREE CONSULTATION.

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