Anyone that's looking for a loan modification I will NOT recommend the law office of john m. Ribarich unless you have deep pockets. My husband and I went to the law office of john m. Ribarich on May. Unfortunely we hired them at $9800. Make sure you read the fine print. They will not start the loan modification until you finish paying them.
As time went on we are sending them our documents faithfully. To make the long story short We got denied three for a loan mod. Our home was up for auction Dec 9. They informed us if they could not postpone the auction we could file chapter 13, but not go all the way with the chapter 13 just to get the auction postpone. That would cost us $1350. Which we did not have to pay. They got the auction postpone until Jan 9.
One of the reps recommend that we go with the full chapter 13. He quoted us $4500 for the chapter 13, $700 to discharge the second loan and we will have to put $2500 to start the process. The funny thing is we were two months behind on our mortgage. We ask the rep should we continuing making our mortgage payments. She said NO. Big mistake #2
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