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arkygirl
Reply with quote  #1 
Someone was here asking if anyone knew of a NY lawyer who understands all this foreclosure stuff- Linda Tirelli, a consumer- bankruptcy attorney in New York and Connecticut. She works on contingency. Boot camp graduate.

Margery Golant, a lawyer in Boca Raton, Florida, who attended the boot camp in August 2009.

Nick Wooten- Alabama-2007 graduate

There are 599 graduates according to the article. I don't know how to get a complete list. There doesn't seem to be one publicly available.

Here is an old 2008 newsletter with a few more names and some more info:

http://docs.google.com/viewer?a=v&q=cache:H2X08CFmTk4J:livinglies.files.wordpress.com/2008/06/bootcamp-04_08_newsletter.pdf+O.Max+gardner+boot+camp+graduates&hl=en&gl=us&pid=bl&srcid=ADGEEShFYtQ9vMHlk05cDYEt03yP-1kf12-lJCijqzUja_WVmZ7CUWrIbG_HZheQX7stsrztJ68lfsoCtNVbNHcDGmkaR27AXifSD4VEjwXQyohILZUYZrXwGZpDuxRx3xUSX177_ilL&sig=AHIEtbTKqyVZUd7cneBkZe9dfTxyHhOmNQ

Here is the article I pulled the above attorneys' names from:

http://www.bloomberg.com/news/2010-10-27/foreclosure-woodstock-lures-lawyers-to-max-s-farm-seeking-edge-on-lenders.html

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joanna jensen
Reply with quote  #2 
Hi, 

I am a legal assistant in Northern California.  I attended Max Gardner's Secularization Seminar last February in Las Vegas.  

It was very educational.  As a legal assistant working for a real estate attorney already helping home owners fight foreclosure I was surprised that so many attorneys did not do some basic things I always do, which could be why some attorneys have better results at loan mods than others.

It is important to know that your servicer is not really your friend.  You do need to force them to help you and do what is right.

A few of the things I always do, ask if your attorney does this, some do not.  
1) send a qualified written request.  
    why?  It is basically the same as balancing your check book. You want to make sure your payments have been applied when they were supposed to and the correct amount.  
You want to make sure no fees were added that are not supposed to. 

Ask for the note, indorsed and assigned. 

I learned this and much more from Max Gardner. Since going to his seminar I have gotten my clients approved quicker and been able to dispute denials much quicker. 

JoAnna Jensen
0
Bill
Reply with quote  #3 
Quote:
Ask for the note, indorsed and assigned. 

 
It appears from a lot of the cases that were decided in favor of the defendants, these decisions were a result of the Plaintiff being cornered in the web of their own lies. 
 
I would not be asking the Plaintiff for an endorsed and assigned note.  This is begging the servicer to FORGE an assignment and endorsement which could put any case in peril.  The fact that in a MAJORITY of foreclosure cases there is no defense, leads to sloppy practices, laziness, and a general failure to set forth a prima facie case. 
 
When faced with any resistance, the Plaintiff/Servicer must now back-track and attempt to "fix" sometimes fatal flaws such as pleading no assignment or endorsement.  This is more times than not accomplished by submitting fraudulent/forged documents.  With a competent attorney these documents can be exposed in discovery which is devastating to the Plaintiff's case.  Most Judges frown upon fraud committed by officers of the court.
 
While for honest hard working people it would seem that you would want the TRUTH to come out in court, your TRUTH is very different from the Plaintiff's and even the Courts TRUTH.  It is very possible that what you consider a lie is someone's TRUTH.
 
According to Wikipedia:

Quote:

Truth has a variety of meanings, such as the state of being in accord with a particular fact or reality, or being in accord with the body of real things, real events or actualities.[1] It can also mean having fidelity to an original or to a standard or ideal. In a common archaic usage it also meant constancy or sincerity in action or character.[1] The direct opposite of truth is "falsehood", which can correspondingly take logical, factual or ethical meanings.

However, language and words are essentially "tools" by which humans convey information to one another. As such, "truth" must have a beneficial use in order to be retained within language. Defining this potency and applicability can be looked upon as "criteria", and the method used to recognize a "truth" is termed a criterion of truth. Since there is no single accepted criterion, they can all be considered "theories".

Various theories and views of truth continue to be debated among scholars and philosophers. There are differing claims on such questions as what constitutes truth; what things are truthbearers capable of being true or false; how to define and identify truth; the roles that revealed and acquired knowledge play; and whether truth is subjective or objective, relative or absolute.

 


0
William A. Roper, Jr.
Reply with quote  #4 
Bill:

My first reaction to joanna jensen's post was to add a caution about taking the opposition to school.

But I would also observe that Ms. Jenson is from California, a non-judicial foreclosure state.

IF a borrower's circumstances make a Bankruptcy filing a viable option, I would tend to agree with you and would be very guarded about saying or doing anything which might take the opposition to school.  And as I have previously observed in other posts, getting the purported mortgage investor to take a position and to wrap their arms around their forged, perjured or otherwise fabricated evidence has much merit.

But if a borrow hopes to avoid Bankruptcy in a non-judicial foreclosure state, other stategies may be better.

Given Ms. Jensen's assertion that she has attended a Garner course and that she works for a California attorney, I think that we should give her the benefit of any doubt that the strategies she recommends and employs have some utility for the constituency her firm represents in that jurisdiction.

If anything, our Forum probably under represents and underserves those in non-judicial foreclosure states.

I think that we should welcome her to the Forum and pick her brain rather than dismissing her suggestions and, perhaps, frightening her off! 
0
FnDoomed
Reply with quote  #5 
Here's a decent looking list of Gardner graduates.  Taken from:  http://www.maxbankruptcybootcamp.com/find-graduates

Alabama

Scott Allums
S. Scott Allums, PC
506 north 18th street
bessemer, AL 35020
(205) 426-7080
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Wesley Blacksher
Blacksher & Herrington LLC
401 Church Street
Mobile, AL 36602
(251) 432-1010
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D.W. "Bubba" Grimsley
Woolley, Edge & Grimsley
21 S. Section St.
Fairhope, AL 36532
(251) 279-0710
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Lacy Robertson
Padgett & Robertson
4317 Downtowner Loop N
Mobile, AL 36609
(251) 342-0264
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Marcus Semmes
Legal Clinic of Semmes and Semmes
1207 Noble Street
Anniston, AL 36201
(256) 236-7354
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J. Elizabeth Wilson
Padgett & Robertson
4317 Downtowner Loop, North
Mobile, AL 36609
(251) 342-0264
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Alaska

No Graduates In This State

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Arizona

Michael Anderson
Michael S. Anderson P.C.
po box 2680
mesa, AZ 85214
(480) 507-5985
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Jane Schmaltz
Schmaltz Law Offices, PLLC
1745 S. Alma School Rd., Ste 173
Mesa, AZ 85210
(480) 629-5336
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Arkansas

Charles J. "Jeff" Gardner
Gardner Law Firm
P. O. Box 385, 120 W. Walnut St.
Blytheville, AR 72315
(870) 763-8186
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Joel Hargis
Crawley, DeLoache & Hargis, PLLC
533 West Washington, Ave
Jonesboro, AR 72401
(870) 972-1127
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California

Mark Ankcorn
Ankcorn Law Firm
9845 Erma Road, Suite 300
San Diego, CA 92131
(619) 870-0600
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Guy Chism
Chism Law Offices
2225 Grant Road Suite 3
Los Altos, CA 94024
(650) 386-1557
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Edmund Dechant
Law Offices of Edmund Dechant
Two E Street
Santa Rosa, CA 95404
(707) 604-0042
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Linda Deos
Law Office of Linda Deos
330 J Street
Sacramento, CA 95814
(916) 442-4442
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Steve Doan
Doan Law, LLP
635 Camino de los Mares, 100
San Clemente, CA 92673
(949) 472-0600
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Barbara Gilbert
Law Office Of Barbara J Gilbert
2230 W Chapman #203
Orange, CA 92868
(949) 854-1838
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Walter Hackett
Inland Counties Legal Services
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Jason Jones
Avatar Legal, P.C.
12526 High Bluff Dr., Suite 300
San Diego, CA 92130
(858) 793-9800

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Stephen Kim
Stephen H. Kim, Attorney at Law
376A Main Street
Salinas, CA 93901
(831) 221-5022
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Gina Klump
Law Office of Gina R. Klump
17 Keller Street
Petaluma, CA 94952
(707) 778-0111
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James Michel
Law Office of James Michel
2912 Diamond St. #373
SAN FRANCISCO, CA 94131

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Lorene Mies
Lorene Lynn Mies, A PLC
38975 Sky Canyon Dr., Ste. 204
Murrieta, CA 92563
(951) 894-4791
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Norberto F. Reyes
REYES LAW GROUP, APLC
3600 Wilshire Blvd., Suite 820
Los Angeles, CA 90010
(213) 382-6600
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Selwyn Whitehead
Law Offices of Selwyn D. Whitehead
4650 Scotia Avenue
Oakland, CA 94605
(510) 632-7444
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Colorado

Connecticut

Bill Carter
Law Office of William E Carter, LLC
1224 Mill St
East Berlin, CT 6023
(203) 630-1070
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George Holler
Holler Law Firm, LLC
31 Cherry Street, Suite 109
Milford, CT 6460
(203) 301-4333
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Gene Melchionne
Eugene S. Melchionne, Attorney at Law
27 First Avenue
Waterbury, CT 6710
(203) 757-3437
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Paulann Sheets
Action Advocacy Law office
500 Bridge Street
Groton CT, CT 6340
(860) 449-1510
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Delaware

No Graduates In This State

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Florida

Christie Arkovich
Christie D. Arkovich, P.A.
1520 W. Cleveland St.
Tampa, FL 33606
(813) 258-2808
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Stephen Berlinsky
The Berlinsky Law Firm, P.A.
637 8th Street
Clermont, FL 34711
(352) 394-1883
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Lori Cardew
Waterstone Development Company, LLC
(321) 749-8913
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Paul Daley
Bess, Daley, Blougouras & Jones, P.A.
101 N Plumosa Street
Merritt Island, FL 32953
(321) 504-9935
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Wendell Finner
First Coast Consumer Law
340 3rd Ave S., Suite A
Jacksonville Beach, FL 32250
(904) 242-7070
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Robert C. Gindel, Jr.
Robert C. Gindel, Jr., P.A.
1500 Gateway Boulevard, Suite 220
Boynton Beach, FL 33426
(561) 649-2344
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Hunter Goff
K. Hunter Goff, P.A.
1215 E. Livingston St.
Orlando, FL 32803
(407) 898-8225
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Margery Golant
Golant & Golant, P.A.
2385 NW Executive Center Drive, Suite 100
Boca Raton, FL 33431
(561) 206-6171
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Michael Gort
Meyer Law Firm
1170 E Indiantown Rd Ste 312
Jupiter, FL 33477
(561) 748-9787
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Joann Hennessey
Law Offices of Joann Hennessey, PL
620 NE 76th Street
Miami, FL 33138
(305) 200-5115
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Bruce Jacobs
Bruce Jacobs & Associates
169 East Flagler Street, Suite 1640
Miami, FL 33131
(305) 358-7991
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Joseph Klein
Legal Aid Service of Collier County
4125 East Tamiami Trail
Naples, FL 34112
(239) 775-4555
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Joseph Lenti II
Michael D. Bruckman P.A.
110 N.E. 11th Ave
Ocala, FL 34470
(321) 795-8662
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Jim Loncarski
Law Office of Joseph F. Pippen
10225 Ulmerton Rd
Largo, FL 33706
(727) 586-3306
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Armando Montalvo
Montalvo Law Firm, P.A.
66 West Flagler St. suite 900
Miami, FL 33131
(305) 416-0072
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Lewis Roberts
Lewis Roberts, PA
785 W Granada Blvd #5
Ormond Beach, FL 32174
(386) 677-6241
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Evan Rosen
Rosen & Rosen, P.A.
4000 Hollywood Blvd Ste 725S
Hollywood, FL 33021
9549811852
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Dr. Ralph Toombs
The Toombs Law Firm
807 Neptune Rd.
Kissimmee, FL 34744
(407) 319-4951
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Georgia

Steve Orr
Steve Orr Attorney, L.L.C.
2055 Gees Mill Road, S-318
Conyers, GA 30013
(770) 483-9942
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Hawaii

No Graduates In This State

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Idaho

No Graduates In This State

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Illinois

J. Kevin Benjamin, Esq.
Benjamin Legal Services
1016 W. Jackson Boulevard
Chicago, IL 60607
(312) 853-3100
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David Leibowitz
Lakelaw
420 W Clayton Street
Waukegan, IL 60085
(847) 249-9100
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John Mickalovski
Bankruptcy Scribe, Inc.
2752 Freeland Circle
Naperville, IL 60564
(630) 995-9992
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Andy Miofsky
A Bankruptcy Lawyer Andy Miofsky
2249 Pontoon Rd
Granite City, IL 62040
(618) 931-1313
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Rick Rogers
The Rogers Law Group
Suite 126
Chicago, IL 60015
8476078570
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Indiana

Wayne Greeson
The Law Offices of Wayne Greeson PC
801 West 35th Street
Connersville, IN 47331
(765) 825-9690
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Debra Voltz-Miller
Voltz-Miller & Panowicz, PC
1951 E. Fox St.
South Bend, IN 46613
(574) 289-1709
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Iowa

Linda Merritt
Linda E. Merritt, Attorney-at-Law
P O Box 8085
Cedar Rapids, IA 52408
(319) 862-2223
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Kansas

Jonathan Becker
Jonathan C. Becker, Attorney at Law, P.A.
3220 Mesa Way
Lawrence, KS 66049
(785) 842-0900
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Kentucky

Brian Canupp
Brian T. Canupp, PSC
710 East Main Street
Lexington, KY 40502
(859) 629-6108
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Sandra M. Varellas
Varellas & Varellas
259 West Short St., Suite 201
Lexington, KY 40507
(859) 252-4473
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Steve Vidmer
Vidmer Law Office
309A N. 4th St.
Murray, KY 42071
(270) 753-1752
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Louisiana

kirk myers
Harrington & Myers
2901 N. causeway #303
metairie, LA 70002
(800) 982-0669
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Maine

Thomas Cox
Law Office of Thomas Cox
P.O. Box 1314
Portland, ME 4101
(207) 749-6671
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Lee Anne Graybeal
Lee Anne Graybeal, Esq.
5 Webhannet Place, Suite 4
Kennebunk , ME 4043
(207) 985-4644
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Maryland

Morgan Fisher
Lawrence & Fisher PLLC
155 Duke of Gloucester St.
Annapolis, MD 21401
(410) 626-6111
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Jeremy Huang
Rowe Barnett, PLLC
5906 Hubbard Dr
Rockville, MD 20852
(301) 770-4710
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Laura Margulies
Laura Margulies & Associates,
6205 Executive Blvd.
Rockville, MD 20852, MD 20852
(301) 816-1600
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Joseph Rohr
Legal Aid Bureau
500 E. Lexington Street
Baltimore, MD 21202
(410) 951-7669
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Kurt Wolfgang
Law Office of Kurt Wolfgang, Chtd.
9375 Chesapeake Street Suite 113
La Plata, MD 20646
(301) 934-6000
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Massachusetts

David Baker
Law Office of David G. Baker
236 Huntington Avenue, Ste. 306
Boston, MA 2115
(617) 340-3680
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Marie McDonnell
Truth In Lending Audit & Recovery Services, LLC
P.O. Box 2067
Orleans, MA 2653
(508) 255-8829
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Michigan

Rex Anderson
Rex Anderson PC
9459 Lapeer
davison, MI 48423
810 653 3300
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Roger Cotner
Cotner Law Office
220 Franklin Ave.
Grand Haven, MI 49417
(616) 846-7153
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Susan Woodrow
Susan Payne Woodrow JD PC
PO Box 300833
Waterford, MI 48329
(248) 623-1818
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Minnesota

No Graduates In This State

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Mississippi

Frank Coxwell
Coxwell & Associates. PLLC
500 N State Street
Jackson, MS 39201
(601) 948-1600
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Missouri

David Angle
Assistant Attorney General - Missouri
PO Box 899
Jefferson City, MO 65102
(573) 751-3376

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Rachel Foley
Midwest Bankruptcy Litigation Center
4016 S. Lynn Crt Drive Ste. B
Independence, MO 64055
(816) 472-4357
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David Gunn
The Law Offices of Mueller and Haller LLC
1600 S. Brentwood, Suite 725
Saint Louis, MO 63122
(314) 817-9562
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Montanna

JAMES H COSSITT
JAMES H COSSITT PC
40 2nd ST E STE 202
KALISPELL, MT 59901
(406) 752-5616
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Nebraska

No Graduates In This State

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Nevada

No Graduates In This State

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New Hampshire

No Graduates In This State

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New Jersey

Virginia E. Fortunato
Mark Goldman, P.C.
7 Glenwood Avenue
East Orange, NJ 7017
(973) 677-9000

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David Giller
Law Offices of David Giller LLC
1 University Plaza Drive #412
Hackensack, NJ 7601
(201) 478-7412
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Bruce Levitt
Levitt & Slafkes, P.C.
76 South Orange Avenue, Suite 305
South Orange, NJ 7079
(973) 313-1200
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Andy Winchell
Law Offices of Andy Winchell
332 SPRINGFIELD AVE STE 203
SUMMIT, NJ 7901
(973) 457-4710
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New Mexico

No Graduates In This State

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New York

Theodore Araujo
Bankruptcy Law Center
313 East Willow Street #105
Syracuse, NY 13203
(315) 422-1234
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Kathleen Cully
Kathleen G Cully PLLC
305 Broadway, 14th Floor
New York, NY 10007
(212) 447-9882
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Jay fleischman
Shaev & Fleischman LLP

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Ronald Kim
Law Offices of Ronald J. Kim
36 Long Alley Suite 101
Saratoga Springs, NY 12866
(518) 581-8416
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Jayson Lutzky
Law Offices Of Lutzky & Labayen, LLP
26 West 183rd Street
Bronx, NY 10453
(800) 660-5299
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Linda Tirelli
Law Offices of Linda M. Tirelli PC
1 North Lexington Avenue
White Plains, NY 10601
(914) 946-0860
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North Carolina

Edwin "Sandy" Hardy
Edwin M. Hardy
P.O. Box 488
Washington, NC 27889
(252) 975-3010
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Adrian Lapas
Adrian M. Lapas, P.A.
206 E. Chestnut Street
Goldsboro, NC 27533
(919) 735-0098
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Mike Proctor
Max Gardner Law
PO Box 1000
Shelby, NC 28151
(704) 487-0616
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Dennis Sargent
Law Office of Dennis Jay Sargent Jr, PLLC
201 Shannon Oaks Circle, Suite 200
Cary, NC 27511
(919) 654-4545
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Joseph Vonnegut
The Law Firm of Hutchens, Senter & Britton, P.A.
P.O. Box 2505
Fayetteville, NC 28302
(910) 864-2668
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Andrea Young
Financial Protection Law Center
PO Box 390
Wilmington, NC 28402
(910) 442-1010
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North Dakota

No Graduates In This State

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Ohio

Christopher Spiroff
Spiroff Law Office
1180 S. High Street
Columbus, OH 43206
(614) 224-2104
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Oklahoma

No Graduates In This State

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Oregon

Thomas McAvity
Northwest Debt Relief Law Firm
2225 NE Alberta, Ste A.
Portland, OR 97211
(503) 860-6868
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Pennsylvania

Ann Hook Belknap
Belknap & Mayer, P.C.
301 Oxford Valley Road, Ste. 203B
Yardley, PA 19067
(215) 493-4300
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Zelma Davila
Almeida & Davila, PSC
HATO REY CENTER SUITE 1116; 250 PONCE DE LEON AVENUE
SAN JUAN, PR, PA 918
(787) 722-2500
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Patricia Mayer
Belknap & Mayer, PC
301 Oxford Valley Road, Suite 203B
Yardley, PA 19067
(215) 493-4300

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Rhode Island

Billie Crawford
Billie Crawford, Attorney at Law
8 Fenner Ave
Newport, RI 2840
(401) 935-3842
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South Carolina

John Cantrell
Cantrell Legal, PC
PO Box 1276
Goose Creek, SC 29445
(843) 797-2454
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Eddie McDonnell
South Carolina Legal Services
148 E Main St
Spartanburg, SC 29306
(864) 699-0303
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South Dakota

No Graduates In This State

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Tennessee

Justin Brackett
Brackett & Strunk, PLLC
1104 Merchants Drive, Ste. 101
Knoxville, TN 37912
(865) 688-0868
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Steven Frazier
Steven C. Frazier Attorney at Law
710 East Sullivan Street
Kingsport, TN 37660
(423) 246-2623
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John Newton
Mayer & Newton
1111 Northshore Dr Suite S-570
Knoxville, TN 37922
(865) 588-5111
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Keith Slocum
Harlan, Pierce and Slocum
39 Public Square 2nd floor
Columbia, TN 38402
(931) 381-0660
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Keith Smartt
Law Office of Keith S Smartt
P. O. Box 869B
McMinnville, TN 37111
931-473-8977
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Texas

Gary Armstrong
Armstrong Kellett Bartholow P.C.
11300 N Central Expy Ste 301
Dallas, TX 75243
(214) 696-9000
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Thad Bartholow
Armstrong Kellett Bartholow P.C.
11300 N. Central Expwy. Suite 301
Dallas, TX 75243
(214) 696-9000
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Sam Gregory
Sam C. Gregory, PLLC
1212 13th Street, #101
Lubbock, TX 79401
(806) 687-4357
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Thomas Howery
Farrow-Gillespie & Heath
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Ira Joffe
Law Office of Ira D. Joffe
6750 West Loop South
Bellaire, TX 77401
(713) 661-9898
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Utah

No Graduates In This State

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Vermont

No Graduates In This State

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Virginia

No Graduates In This State

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Washington

Brad Gibson
Gibson Law Firm
2600 2nd Ave. #217
Seattle, WA 98121
(206) 852-8422
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West Virginia

No Graduates In This State

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Wisconson

Edward Harness
Harness Law Office
316 N Milwaukee St #316
Milwaukee, WI 53202
(414) 647-2222
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Mike Maxwell
Maxwell Attorneys LLC
8112 W. Bluemound Road, Ste. 61
Wauwatosa, WI 53213
(414) 727-0123
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Wyoming

No Graduates In This State


0
William A. Roper, Jr.
Reply with quote  #6 

It seems to me that posting this list at the Forum is a great idea.  But I would observe that this list does NOT seem to be a complete list of ALL graduates of Max Gardner's Foreclosure Boot Camps.  I think that this is merely the list of those who have requested that they be added.

My guess is that some of these attorneys are already so busy that they are not actively marketing themselves and availing themselves of teh opportunity to be included on the boot camp graduates list.

I would note that past issues of a newsletter for boot camp alumni are posted from this link:


http://www.maxbankruptcybootcamp.com/newsletters


Within these newsletters Forum participants will find other mentions of various boot camp alumni.
0
JoAnna Jensen
Reply with quote  #7 
Hi All,

I can say from experience that not all of the attorneys who graduated from max Gardner's course employ his thoughts and techniques.

As for asking for the note indorsed and assigned I am thinking that you do want to back them into a corner.  From what I understand if the defendant presents documents that are fraudulent they can be sanctioned.  Additionally when the defendant submits a Proof of claim that is fraudulent and the plaintiff challenges it with an adversarial proceeding, if the attorney gave fraudulent documents or charges that are not allowed the court can sanction the lender by actually voiding the lien instead of going after the attorney who didn't know what was going on.

I do have to say from experience, I have been working for my attorney for over two years, I always submit my loan mod files with complete evidence, IE:  NPV: proving my clients should be modified, a qwr asking for a laundry load of items, I send comps and information on foreclosures and repairs needed on the home.

I was very surprised when the attorneys in the seminar didn't know what a QWR or npv was.  I was even more surprised that these attorneys said they couldn't get a trial mod approved!!  

I have to believe this is why some people say loan mods don't get approved.  Some of the people doing them don't know what they are doing and don't spend time learning.  I do admit I am just a legal assistant however I am a legal assistant who understands what others are going thru which could be why I spend so much time learning and doing research.  

I do know from experience, (my loan mod) that servicers do not work with homeowners like they do attorneys.  I got a denial from Chase in February for a client who did meet all of the criteria for HAMP, I sent them a dispute and within 2 weeks they were in a trial mod.  

Now for my loan mod it is a different story, I have been working on it for 2 years! paying trial payments for 12 months.  I send in all of the same documents and demands but I do not get transfered to managers nor do I get return calls.  this is not a sales pitch,  I did this to know the difference on how the lenders treat homeowners.  Attorneys do still call the same number but they get treated differently. 

I do believe that by knowing the guidelines of HAMP and the treasury I was able to dispute my unbelievable loan mod I am in the process of putting together a complaint and I'm going to sue!

I have sent Chase several QWR's asking for my indorsed and assigned note,  Ive asked for the owner of our note and the address which per Tila they are required to give home owners.  However Chase simply sent me a photo copy unindorsed which proves that the note was note indorsed into the trust.  

I also asked for information about all of the charges on my escrow account, copies of the checks.  Chase only sent me checks for my taxes not the additional charges that have no explanation except for "statutory expenses"  totalling $4000.  According to Respa (I believe) the servicer can not pay referral fees, they can pay reasonable attorney fees and fees to do broker price opinions but $4,000 is not reasonable.  Additionally we can ask for any information that was paid from our escrow account and they are required to answer us within 20 days now per Dodd Frank.  Or they can be fined. 







0
Bill
Reply with quote  #8 

Quote:

Now for my loan mod it is a different story, I have been working on it for 2 years! paying trial payments for 12 months



I have read there are quiet a few homeowners that have been paying payments on a trial modification for 12-18 months.  The initial "trial period" is only 3 months for HAMP.  Why do you need to keep paying the trial modification after the initial 3 payments? 

How do you know that you need to keep paying these payments?

What happens if you stop paying these "trial payments" when the initial agreement is only for 3 payments?
0
JoAnna Jensen
Reply with quote  #9 
Quote:
Originally Posted by Bill

Quote:

Now for my loan mod it is a different story, I have been working on it for 2 years! paying trial payments for 12 months



I have read there are quiet a few homeowners that have been paying payments on a trial modification for 12-18 months.  The initial "trial period" is only 3 months for HAMP.  Why do you need to keep paying the trial modification after the initial 3 payments?  Hamp is supposed to review you for a final mod during the Trial Period Plan of what is supposed to be 3 months.  Home owners actually get an agreement that says the payment and term. 

How do you know that you need to keep paying these payments?   According to the trial plan agreement you continue to make payments until you receive your permanent mod, which is supposed to be in 3 - 4 months. 

What happens if you stop paying these "trial payments" when the initial agreement is only for 3 payments?  If you stop paying the trial plan payments you are then in default and will continue the foreclosure process.   If your trial payments are 31% of your gross income you may want to continue paying.  the lender is not supposed to go forward with the foreclosure process as long as you are paying your trial payments.  

If your paying trial payments for 18 months you have an issue.  

Be very careful when you get your final mod approval.

When I got my approval, it did not make sense that not only was I paying my entire balance due plus escrow and all deficiencies but a $229,000 balloon payment!! I did not accept the mod but now I'm thinking I should have.  I think that the balloon payment was usury,  interest on interest which is not allowed.  I think they were trying to charge what they would have made if we continued on with our original loan.  That doesn't make sense if we are modifying our loan....

If your a homeowner  working on a mod make sure and read your docs.  
0
Karen Petrow
Reply with quote  #10 

If you're in California, Do NOT trust attorney Walter Hackett or Tom Bayard! I am in contact with other homeowners who have been ripped off by these too. They have done NOTHING for homeowners! Their all talk...but don't walk the walk. I do not know of ANY case that they have litigated and won successfully. Tom will drop off the face of the earth after a few months... and Walter will not claim any responsibilty for referring you to Tom.

0
robert gindel
Reply with quote  #11 
Quote:
Originally Posted by joanna jensen
Hi, 

I am a legal assistant in Northern California.  I attended Max Gardner's Secularization Seminar last February in Las Vegas.  

It was very educational.  As a legal assistant working for a real estate attorney already helping home owners fight foreclosure I was surprised that so many attorneys did not do some basic things I always do, which could be why some attorneys have better results at loan mods than others.

It is important to know that your servicer is not really your friend.  You do need to force them to help you and do what is right.

A few of the things I always do, ask if your attorney does this, some do not.  
1) send a qualified written request.  
    why?  It is basically the same as balancing your check book. You want to make sure your payments have been applied when they were supposed to and the correct amount.  
You want to make sure no fees were added that are not supposed to. 

Ask for the note, indorsed and assigned. 

I learned this and much more from Max Gardner. Since going to his seminar I have gotten my clients approved quicker and been able to dispute denials much quicker. 

JoAnna Jensen
0
Ann
Reply with quote  #12 

Here are some Florida Elite Foreclosure lawyers I know :

 

-   Dillon Graham Esq. 305-445-9185

-   Matt Weidner Esq.

-   Mark Stopa Esq.

-   Thomas Ice Esq.

   

0
George Burns
Reply with quote  #13 
I do not like the idea of promoting a particular lawyer but since someone started this thread I have to chip in with a few whose cases I have noted.

These 2 and their firms have quite a track record along with very reasonable fees:

Joshua Bleil - Ticktin Law Group
Omar Arcia - Arcia Law Firm
0
Ann
Reply with quote  #14 

I think it's good idea to post good lawyers's names so peole who are in need can have interview them. Not all lawyers know how to do Foreclosure Defenses so don't forget to go to the Courthouse and check out cases the lawyer is working on before hiring him. First consultation should be free. Bring all your documents for the lawyer to review but don't leave it with his office. It's best not to hire the lawyer during the interview. Tell him you want to think it over a couple days . I don't bring any money, check book or credit card to the interview so I won't be persuaded to sign the Retainer Agreement.  I want to check his cases at the court house befor I hire the lawyer. Below are some ideas:

 

THE FORECLOSURE DEFENSE IS A SERIOUS BATTLE. YOU NEED TO HELP YOUR LAWYER TO FIGHT. IT'S YOUR CASE - IT'S YOUR HOME. YOU MUST TAKE TIME TO BE THE MAIN PART OF THE PROCESS.

1. From the time the foreclosure lawsuit is filed and the Final Judgments to sell the house, there are many pleadings to be filed i,e : Motion for Time Extension, Motion to Dismiss, Answer with Affirmative Defenses, Discoveries 1, 2, 3,Motion to Compel, Opposition to Summary Judgments etc.. If the attorney took the money and don't file anything from the day the lawsuit was served, run to see another lawyer . Interview at least 10 lawyers. Pro se or with attorney you have to watch your case closely. There is limit dates to file court pleadings, make sure you remind your lawyer to file pleadings on time.

2. Do not give all money upfront, ask for payment plan so if the attorney does nothing you have money left to see another lawyer. Read carefully the Retainer Agreement . It should spell out how far the attorney will go in the lawsuit for the amount of money he demands. Some lawyers only help you to go thru the process until Final Judgment for a fee. Some lawyer will defend you all the way including the trial. For foreclosure defense lawyer, it is preferrable to hire lawyer with trial experience , in my opinion.
 
 I prefer lawyer who does Appeal so the Bank understand from the get go that I am ready to bring the case to Appeal Court. Judges will be prudent to give ruling if he knows that the lawyer is ready/able to take the Judge rulling to Appeal Court. It's best to have the same lawyer for the case so he lays ground work for the entire fight to win all the way.  Ask your potential lawyer if he does Appeal. It is not easy to find Appeal Lawyer who take other lawyers' case. and he may charge more .  If the case is well prepared with an elite lawyer , chances are you will win the case in the lower court..

3. Remmember, you have only one case (yours) but the attorney may have 50 cases to work on. So help him out. Review your case docket every  3 days, e-mail your lawyer your case status every week, remind him filing dates, hearing dates and copied the e-mail to his legal assistant. Keep copies all your e-mails and correspondences. Update your lawyer by e-mails all new pleadings, info, articles you find related to foreclosure defense. The field of Foreclosure  Defense is constantly changings with new defense tactics. Keep yourself up to date.

4. Insist to have all pleadings e-mail to you for your review and approval before filing them. Insist to go with him to hearings. Go to the court house and observe the hearings to educate yourself . Create your own file and bring it with you. The day before the hearing, e-mail him all your thoughts, your defense ideas for him to review. You should know your case and pleadings, case laws, court opinion related to your case by heart.

4. E-mail copies of pleadings and all info about foreclosure defense on this website and others and gave them to him. It will save him research time and may give him more ideas to write pleading. Go to http://www.scribd.com, search foreclosure pleadings, download for your file and e-mail them to your lawyer.
Read these pleadings from Ms. April Charney Esq. a super lawyers. Show your lawyer her pleadings and tell him you want similar defenses or even better from him

0
Roger Priest
Reply with quote  #15 
[QUOTE=FnDoomed]Here's a decent looking list of Gardner graduates.  Taken from:  http://www.maxbankruptcybootcamp.com/find-graduates

Alabama

Scott Allums
S. Scott Allums, PC
506 north 18th street
bessemer, AL 35020
(205) 426-7080
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Wesley Blacksher
Blacksher & Herrington LLC
401 Church Street
Mobile, AL 36602
(251) 432-1010
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D.W. "Bubba" Grimsley
Woolley, Edge & Grimsley
21 S. Section St.
Fairhope, AL 36532
(251) 279-0710
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Lacy Robertson
Padgett & Robertson
4317 Downtowner Loop N
Mobile, AL 36609
(251) 342-0264
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Marcus Semmes
Legal Clinic of Semmes and Semmes
1207 Noble Street
Anniston, AL 36201
(256) 236-7354
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J. Elizabeth Wilson
Padgett & Robertson
4317 Downtowner Loop, North
Mobile, AL 36609
(251) 342-0264
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Alaska

No Graduates In This State

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Arizona

Michael Anderson
Michael S. Anderson P.C.
po box 2680
mesa, AZ 85214
(480) 507-5985
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Jane Schmaltz
Schmaltz Law Offices, PLLC
1745 S. Alma School Rd., Ste 173
Mesa, AZ 85210
(480) 629-5336
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Arkansas

Charles J. "Jeff" Gardner
Gardner Law Firm
P. O. Box 385, 120 W. Walnut St.
Blytheville, AR 72315
(870) 763-8186
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Joel Hargis
Crawley, DeLoache & Hargis, PLLC
533 West Washington, Ave
Jonesboro, AR 72401
(870) 972-1127
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California

Mark Ankcorn
Ankcorn Law Firm
9845 Erma Road, Suite 300
San Diego, CA 92131
(619) 870-0600
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Guy Chism
Chism Law Offices
2225 Grant Road Suite 3
Los Altos, CA 94024
(650) 386-1557
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Edmund Dechant
Law Offices of Edmund Dechant
Two E Street
Santa Rosa, CA 95404
(707) 604-0042
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Linda Deos
Law Office of Linda Deos
330 J Street
Sacramento, CA 95814
(916) 442-4442
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Steve Doan
Doan Law, LLP
635 Camino de los Mares, 100
San Clemente, CA 92673
(949) 472-0600
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Barbara Gilbert
Law Office Of Barbara J Gilbert
2230 W Chapman #203
Orange, CA 92868
(949) 854-1838
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Walter Hackett
Inland Counties Legal Services
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Jason Jones
Avatar Legal, P.C.
12526 High Bluff Dr., Suite 300
San Diego, CA 92130
(858) 793-9800

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Stephen Kim
Stephen H. Kim, Attorney at Law
376A Main Street
Salinas, CA 93901
(831) 221-5022
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Gina Klump
Law Office of Gina R. Klump
17 Keller Street
Petaluma, CA 94952
(707) 778-0111
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James Michel
Law Office of James Michel
2912 Diamond St. #373
SAN FRANCISCO, CA 94131

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Lorene Mies
Lorene Lynn Mies, A PLC
38975 Sky Canyon Dr., Ste. 204
Murrieta, CA 92563
(951) 894-4791
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Norberto F. Reyes
REYES LAW GROUP, APLC
3600 Wilshire Blvd., Suite 820
Los Angeles, CA 90010
(213) 382-6600
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Selwyn Whitehead
Law Offices of Selwyn D. Whitehead
4650 Scotia Avenue
Oakland, CA 94605
(510) 632-7444
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Colorado

Connecticut

Bill Carter
Law Office of William E Carter, LLC
1224 Mill St
East Berlin, CT 6023
(203) 630-1070
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George Holler
Holler Law Firm, LLC
31 Cherry Street, Suite 109
Milford, CT 6460
(203) 301-4333
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Gene Melchionne
Eugene S. Melchionne, Attorney at Law
27 First Avenue
Waterbury, CT 6710
(203) 757-3437
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Paulann Sheets
Action Advocacy Law office
500 Bridge Street
Groton CT, CT 6340
(860) 449-1510
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Delaware

No Graduates In This State

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Florida

Christie Arkovich
Christie D. Arkovich, P.A.
1520 W. Cleveland St.
Tampa, FL 33606
(813) 258-2808
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Stephen Berlinsky
The Berlinsky Law Firm, P.A.
637 8th Street
Clermont, FL 34711
(352) 394-1883
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Lori Cardew
Waterstone Development Company, LLC
(321) 749-8913
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Paul Daley
Bess, Daley, Blougouras & Jones, P.A.
101 N Plumosa Street
Merritt Island, FL 32953
(321) 504-9935
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Wendell Finner
First Coast Consumer Law
340 3rd Ave S., Suite A
Jacksonville Beach, FL 32250
(904) 242-7070
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Robert C. Gindel, Jr.
Robert C. Gindel, Jr., P.A.
1500 Gateway Boulevard, Suite 220
Boynton Beach, FL 33426
(561) 649-2344
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Hunter Goff
K. Hunter Goff, P.A.
1215 E. Livingston St.
Orlando, FL 32803
(407) 898-8225
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Margery Golant
Golant & Golant, P.A.
2385 NW Executive Center Drive, Suite 100
Boca Raton, FL 33431
(561) 206-6171
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Michael Gort
Meyer Law Firm
1170 E Indiantown Rd Ste 312
Jupiter, FL 33477
(561) 748-9787
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Joann Hennessey
Law Offices of Joann Hennessey, PL
620 NE 76th Street
Miami, FL 33138
(305) 200-5115
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Bruce Jacobs
Bruce Jacobs & Associates
169 East Flagler Street, Suite 1640
Miami, FL 33131
(305) 358-7991
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Joseph Klein
Legal Aid Service of Collier County
4125 East Tamiami Trail
Naples, FL 34112
(239) 775-4555
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Joseph Lenti II
Michael D. Bruckman P.A.
110 N.E. 11th Ave
Ocala, FL 34470
(321) 795-8662
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Jim Loncarski
Law Office of Joseph F. Pippen
10225 Ulmerton Rd
Largo, FL 33706
(727) 586-3306
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Armando Montalvo
Montalvo Law Firm, P.A.
66 West Flagler St. suite 900
Miami, FL 33131
(305) 416-0072
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Lewis Roberts
Lewis Roberts, PA
785 W Granada Blvd #5
Ormond Beach, FL 32174
(386) 677-6241
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Evan Rosen
Rosen & Rosen, P.A.
4000 Hollywood Blvd Ste 725S
Hollywood, FL 33021
9549811852
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Dr. Ralph Toombs
The Toombs Law Firm
807 Neptune Rd.
Kissimmee, FL 34744
(407) 319-4951
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Georgia

Steve Orr
Steve Orr Attorney, L.L.C.
2055 Gees Mill Road, S-318
Conyers, GA 30013
(770) 483-9942
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Hawaii

No Graduates In This State

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Idaho

No Graduates In This State

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Illinois

J. Kevin Benjamin, Esq.
Benjamin Legal Services
1016 W. Jackson Boulevard
Chicago, IL 60607
(312) 853-3100
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David Leibowitz
Lakelaw
420 W Clayton Street
Waukegan, IL 60085
(847) 249-9100
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John Mickalovski
Bankruptcy Scribe, Inc.
2752 Freeland Circle
Naperville, IL 60564
(630) 995-9992
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Andy Miofsky
A Bankruptcy Lawyer Andy Miofsky
2249 Pontoon Rd
Granite City, IL 62040
(618) 931-1313
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Rick Rogers
The Rogers Law Group
Suite 126
Chicago, IL 60015
8476078570
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Indiana

Wayne Greeson
The Law Offices of Wayne Greeson PC
801 West 35th Street
Connersville, IN 47331
(765) 825-9690
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Debra Voltz-Miller
Voltz-Miller & Panowicz, PC
1951 E. Fox St.
South Bend, IN 46613
(574) 289-1709
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Iowa

Linda Merritt
Linda E. Merritt, Attorney-at-Law
P O Box 8085
Cedar Rapids, IA 52408
(319) 862-2223
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Kansas

Jonathan Becker
Jonathan C. Becker, Attorney at Law, P.A.
3220 Mesa Way
Lawrence, KS 66049
(785) 842-0900
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Kentucky

Brian Canupp
Brian T. Canupp, PSC
710 East Main Street
Lexington, KY 40502
(859) 629-6108
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Sandra M. Varellas
Varellas & Varellas
259 West Short St., Suite 201
Lexington, KY 40507
(859) 252-4473
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Steve Vidmer
Vidmer Law Office
309A N. 4th St.
Murray, KY 42071
(270) 753-1752
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Louisiana

kirk myers
Harrington & Myers
2901 N. causeway #303
metairie, LA 70002
(800) 982-0669
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Maine

Thomas Cox
Law Office of Thomas Cox
P.O. Box 1314
Portland, ME 4101
(207) 749-6671
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Lee Anne Graybeal
Lee Anne Graybeal, Esq.
5 Webhannet Place, Suite 4
Kennebunk , ME 4043
(207) 985-4644
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Maryland

Morgan Fisher
Lawrence & Fisher PLLC
155 Duke of Gloucester St.
Annapolis, MD 21401
(410) 626-6111
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Jeremy Huang
Rowe Barnett, PLLC
5906 Hubbard Dr
Rockville, MD 20852
(301) 770-4710
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Laura Margulies
Laura Margulies & Associates,
6205 Executive Blvd.
Rockville, MD 20852, MD 20852
(301) 816-1600
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Joseph Rohr
Legal Aid Bureau
500 E. Lexington Street
Baltimore, MD 21202
(410) 951-7669
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Kurt Wolfgang
Law Office of Kurt Wolfgang, Chtd.
9375 Chesapeake Street Suite 113
La Plata, MD 20646
(301) 934-6000
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Massachusetts

David Baker
Law Office of David G. Baker
236 Huntington Avenue, Ste. 306
Boston, MA 2115
(617) 340-3680
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Marie McDonnell
Truth In Lending Audit & Recovery Services, LLC
P.O. Box 2067
Orleans, MA 2653
(508) 255-8829
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Michigan

Rex Anderson
Rex Anderson PC
9459 Lapeer
davison, MI 48423
810 653 3300
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Roger Cotner
Cotner Law Office
220 Franklin Ave.
Grand Haven, MI 49417
(616) 846-7153
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Susan Woodrow
Susan Payne Woodrow JD PC
PO Box 300833
Waterford, MI 48329
(248) 623-1818
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Minnesota

No Graduates In This State

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Mississippi

Frank Coxwell
Coxwell & Associates. PLLC
500 N State Street
Jackson, MS 39201
(601) 948-1600
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Missouri

David Angle
Assistant Attorney General - Missouri
PO Box 899
Jefferson City, MO 65102
(573) 751-3376

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Rachel Foley
Midwest Bankruptcy Litigation Center
4016 S. Lynn Crt Drive Ste. B
Independence, MO 64055
(816) 472-4357
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David Gunn
The Law Offices of Mueller and Haller LLC
1600 S. Brentwood, Suite 725
Saint Louis, MO 63122
(314) 817-9562
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Montanna

JAMES H COSSITT
JAMES H COSSITT PC
40 2nd ST E STE 202
KALISPELL, MT 59901
(406) 752-5616
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Nebraska

No Graduates In This State

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Nevada

No Graduates In This State

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New Hampshire

No Graduates In This State

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New Jersey

Virginia E. Fortunato
Mark Goldman, P.C.
7 Glenwood Avenue
East Orange, NJ 7017
(973) 677-9000

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David Giller
Law Offices of David Giller LLC
1 University Plaza Drive #412
Hackensack, NJ 7601
(201) 478-7412
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Bruce Levitt
Levitt & Slafkes, P.C.
76 South Orange Avenue, Suite 305
South Orange, NJ 7079
(973) 313-1200
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Andy Winchell
Law Offices of Andy Winchell
332 SPRINGFIELD AVE STE 203
SUMMIT, NJ 7901
(973) 457-4710
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New Mexico

No Graduates In This State

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New York

Theodore Araujo
Bankruptcy Law Center
313 East Willow Street #105
Syracuse, NY 13203
(315) 422-1234
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Kathleen Cully
Kathleen G Cully PLLC
305 Broadway, 14th Floor
New York, NY 10007
(212) 447-9882
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Jay fleischman
Shaev & Fleischman LLP

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Ronald Kim
Law Offices of Ronald J. Kim
36 Long Alley Suite 101
Saratoga Springs, NY 12866
(518) 581-8416
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Jayson Lutzky
Law Offices Of Lutzky & Labayen, LLP
26 West 183rd Street
Bronx, NY 10453
(800) 660-5299
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Linda Tirelli
Law Offices of Linda M. Tirelli PC
1 North Lexington Avenue
White Plains, NY 10601
(914) 946-0860
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North Carolina

Edwin "Sandy" Hardy
Edwin M. Hardy
P.O. Box 488
Washington, NC 27889
(252) 975-3010
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Adrian Lapas
Adrian M. Lapas, P.A.
206 E. Chestnut Street
Goldsboro, NC 27533
(919) 735-0098
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Mike Proctor
Max Gardner Law
PO Box 1000
Shelby, NC 28151
(704) 487-0616
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Dennis Sargent
Law Office of Dennis Jay Sargent Jr, PLLC
201 Shannon Oaks Circle, Suite 200
Cary, NC 27511
(919) 654-4545
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Joseph Vonnegut
The Law Firm of Hutchens, Senter & Britton, P.A.
P.O. Box 2505
Fayetteville, NC 28302
(910) 864-2668
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Andrea Young
Financial Protection Law Center
PO Box 390
Wilmington, NC 28402
(910) 442-1010
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North Dakota

No Graduates In This State

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Ohio

Christopher Spiroff
Spiroff Law Office
1180 S. High Street
Columbus, OH 43206
(614) 224-2104
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Oklahoma

No Graduates In This State

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Oregon

Thomas McAvity
Northwest Debt Relief Law Firm
2225 NE Alberta, Ste A.
Portland, OR 97211
(503) 860-6868
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Roger Priest, Attorney at Law LLC

1832 Northeast Broadway Street #200

Portland, OR 97232

(503) 901-1036

Pennsylvania

Ann Hook Belknap
Belknap & Mayer, P.C.
301 Oxford Valley Road, Ste. 203B
Yardley, PA 19067
(215) 493-4300
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Zelma Davila
Almeida & Davila, PSC
HATO REY CENTER SUITE 1116; 250 PONCE DE LEON AVENUE
SAN JUAN, PR, PA 918
(787) 722-2500
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Patricia Mayer
Belknap & Mayer, PC
301 Oxford Valley Road, Suite 203B
Yardley, PA 19067
(215) 493-4300

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Rhode Island

Billie Crawford
Billie Crawford, Attorney at Law
8 Fenner Ave
Newport, RI 2840
(401) 935-3842
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South Carolina

John Cantrell
Cantrell Legal, PC
PO Box 1276
Goose Creek, SC 29445
(843) 797-2454
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Eddie McDonnell
South Carolina Legal Services
148 E Main St
Spartanburg, SC 29306
(864) 699-0303
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South Dakota

No Graduates In This State

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Tennessee

Justin Brackett
Brackett & Strunk, PLLC
1104 Merchants Drive, Ste. 101
Knoxville, TN 37912
(865) 688-0868
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Steven Frazier
Steven C. Frazier Attorney at Law
710 East Sullivan Street
Kingsport, TN 37660
(423) 246-2623
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John Newton
Mayer & Newton
1111 Northshore Dr Suite S-570
Knoxville, TN 37922
(865) 588-5111
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Keith Slocum
Harlan, Pierce and Slocum
39 Public Square 2nd floor
Columbia, TN 38402
(931) 381-0660
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Keith Smartt
Law Office of Keith S Smartt
P. O. Box 869B
McMinnville, TN 37111
931-473-8977
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Texas

Gary Armstrong
Armstrong Kellett Bartholow P.C.
11300 N Central Expy Ste 301
Dallas, TX 75243
(214) 696-9000
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Thad Bartholow
Armstrong Kellett Bartholow P.C.
11300 N. Central Expwy. Suite 301
Dallas, TX 75243
(214) 696-9000
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Sam Gregory
Sam C. Gregory, PLLC
1212 13th Street, #101
Lubbock, TX 79401
(806) 687-4357
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Thomas Howery
Farrow-Gillespie & Heath
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Ira Joffe
Law Office of Ira D. Joffe
6750 West Loop South
Bellaire, TX 77401
(713) 661-9898
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Utah

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Vermont

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Virginia

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Brad Gibson
Gibson Law Firm
2600 2nd Ave. #217
Seattle, WA 98121
(206) 852-8422
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West Virginia

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Wisconson

Edward Harness
Harness Law Office
316 N Milwaukee St #316
Milwaukee, WI 53202
(414) 647-2222
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Mike Maxwell
Maxwell Attorneys LLC
8112 W. Bluemound Road, Ste. 61
Wauwatosa, WI 53213
(414) 727-0123
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Wyoming

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[/QUOTE]
0
JoAnna
Reply with quote  #16 
Hi,
I have noticed on a few occasions that people are posting graduates of Max Gardners' Securitization or Bankruptcy Program.

It is important to know that not all of the attorneys who went to his seminars actually practice his way of litigation and bankruptcy. 

Max primarily does bankruptcy litigation and adversary proceedings.  which I think is an excellent idea.  In an adversary proceeding you are basically forcing the forclosing entity to prove they have the right to foreclose. 

In choosing an attorney for litigation or to assist you with your loan mod you may want to ask these questions:

Modification Questions:

1:  How do you know I qualify for the program.

2: What will you do If I am denied or my file sits aroung?

3: do you find out my comparables to dispute what the servicer is claiming?

4: Do you know my Net Present Value?

5: how often is someone calling to follow up with the lender/servicer?


Litigation:


1: How many wrongful foreclosure cases have you filed?

2: What were the results?

3: Do you do legal research?  How?


4: What type of discovery will you do on my case?   How soon?

5:  What will you ask for in discovery? 

I have been working for attorneys for a few years as well as going to school for my paralegal certificate.   I would think right after filing the complaint you would then serve interrogatories, request for docs and requests for admissions.  This is the least expenseive form of discovery available.  ..... or, is the idea for the defendant to default??? 

Just my thoughts of a legal assistant  working in the field... 

I have never lost a client to foreclosure  however,  attorneys are not responsible when their clients wont send in the requested documents.  The servicer gives you 15 days to respond or they will close the file.  When that happens I believe we reserve the right to get paid if we have to resubmit....  wouldnt you? 
0
Diane
Reply with quote  #17 
Just want to point out that:

Joseph Vonnegut
The Law Firm of Hutchens, Senter & Britton, P.A.

is the foreclosure mill for Bank of America ...   This firm also owns Substitute Trustee Services, INC ..   of course the trustee that steals all these homes through illegal foreclosures.

My assumption would be this guy was there as a spy, to learn whatever techniques he could to protect Bank of America from honest attorney's, wishing to represent their clients properly.

Not sure how Gardner ever let this guy through the door.

0
Gina
Reply with quote  #18 
Tampa Bankruptcy Attorney
0
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