In June I found this law firm on the Internet and decided to hire them to help me modify my loan with Chase Bank. I had personally tried to do a modification with Chase Bank that drug on for a year and a half of making trial payments. That were $400.00 higher than my original payments on the note. Chase had taken the extra $400.00 from every payment that I was making and applying it to late fees and interest... Rather than putting the money in my escrow account. This only made my matters worse, and I felt I needed some sort of legal representation to work through this. I quit making payments in June and hired American Residential Law Group. I gave them all the required info and was told that they would check with my investor, and see if they were willing to work with me. The next day they called and said my investor was indeed willing to work with me, so I made my first 825.00 payment. 30 days later I made the second 825.00 payment. I never once heard anything from anybody at ARLG. They would not return my calls, emails... Nothing. Five months later, I get a foreclosure notice from the attorneys notifying me of a sale date that is two weeks away. Someone from ARLG finally call me... To tell me that they are unable to help me, that the investor is not willing to negotiate a modification. Now the first thing they told me was they talked to my investor, and "they were willing to negotiate" with me. They refused any kind of refund back to me, and now they have really made things bad for me. I trusted, and was comfortable with a "firm" handling my file, so i didn't stay to persistent. But now time has run out, and I don't know what, if any that I can do to save my house. Also Chase told me they never received any kind of documents for a modification from ARLG. ARLG totally kicked me when I was already down, and has now put my family in jeopardy of a place to live. DO NOT hire this so called "law firm". There are similar complaints on Florida's BBB website regarding this agency, which i didn't know before. They have operated under at least two other DBA's in the past, changing names to hide bad business practices.
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