Our Services
Attorney Referral Services
We are well connected and have previous experience with several attorneys in your area. If we can not help you because your foreclosure is too far along, we may recommend that you contact an affiliated Bankruptcy or Real Estate Attorney. Every case is different and every Attorney has a distinct expertise in an area you may need now or in the future.
Bankruptcy Review
We are not attorneys but are well connected with Bankruptcy Attorneys willing to review your case and represent you in defending your home and credit. If you have been in Bankruptcy or had it dismissed, we may be able to guide you in making important decisions in evaluating whether bankruptcy is right for you. At the very least, we can refer you to an Attorney with the expertise to help you avoid costly mistakes.
Bank Document Review
This service is part of the Coaching engagement retainer. However, some clients may need only document review services before submitting a loan modification package or wish for us to review a registered mail reply back to the bank. In the case, we are ready to advise you. This particular service is billed on an hourly basis.
Bank Correspondence and Reply Assistance
This service falls into the same category of document review. It is also a service offered in the document review.
Credit Counseling and Repair
This service is available to all our clients. Ultimately, we may refer you to a local HUD counselor or credit repair company.
Debt Review and Consultation
This service is also part of the coaching engagement and loan modification application preparation. We review aspects of your debt to include your Debt-to-Income Ratios, to include “Front-End” Debt-to-Income and “Back-End” Debt-to-Income ratios in order to qualify your hardship and justify your eligibility for loan modification. We also have several resources available in print and online that will help you get your financing back on track. Additionally, we may refer you to a HUD counselor to review your debt and assist you on a plan for debt reduction.
Forbearance Extension Assistance
This service is part of the coaching engagement but can also be obtained if you have already been awarded a Covid-19 forbearance and want to negotiate an extension of the forbearance.
Group/Team Coaching
This service is designed with live-event coaching where several attendees can learn how to reduce their debt, repair their credit and or submit a loan modification application. The live-event coaching is hosted several times a year and features a Guest Speaker with subject expertise.
Hardship Review
This service is part of the coaching engagement to determine your eligibility for loan modification and other services to assist you. On occasion, we will offer Hardship review and Hardship Letter construction as a separate service. In this case, the service is billed hourly.
Hardship Letter Assistance
This service is critical to the loan modification application process. We can furnish you sample Hardship Letters and or assist you in writing a Hardship Letter that can be submitted along with your loan modification review.
Legal Modification Review
This service is offered only when the bank has commenced legal action against you. We will determine the right course of action for you to follow and in many cases refer you to one of our affiliated law firms.
Loan Modification eligibility review
This service is the introductory service leading up to the coaching engagement. As previously stated, if we feel you are not eligible for a loan modification, we will notify you and will not pursue this course of action. Of course, there are other remedies to saving your home and these can be explored. We may ask you upon the conclusion of the loan modification eligibility review to substantiate your hardship in the same way your mortgage company will likely require before a loan modification can be awarded. This is a good exercise as your eligibility is never guaranteed until the modification application is approved.
Loan Modification Application Services
This service is where the rubber meets the road. It is our signature service and where we possess the greatest expertise. We will coach you through every aspect of the application process and assist you in completing the necessary documentation to apply/qualify for the loan modification.
Mediation Review
This service is offered to determine if mediation can be an effective tool in negotiating a loan modification.
Meditation Services
This service is offered to borrowers that have been turned down by the bank for a loan modification or where the bank will not likely approve the modification without mediation. Every borrower is eligible to submit a mediation request with the court if such request is made within 30 days from the bank’s notification to foreclose. The mediation hearing is generally scheduled with the court appointed Judge, you and the bank’s representative. Note, you are entitled to utilize your own attorney to attend the mediation hearing. The hearing is typically held in an informal setting or court room without a jury present.
Personal Coaching
This service is offered in conjunction with loan modification eligibility evaluation and coaching. However, some clients prefer to retain coaching services to work on other aspects of their life, including career change, debt management and lifestyle. In this case, the personal coaching services are offered on an hourly basis.