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Our Mission Statement

Chances are that if you are visiting this site, you are facing seriously hard financial times—that is the bad news.  Foreclosure problems, debt collectors and bad credit scores currently plague over 50% of the U.S. population. The good news is that there is a way out of this colossal mess: with a properly executed strategic plan.

We provide all necessary resources on this site….absolutely free of charge.  We also provide one-on-one credit consulting as an enhanced service.  The recent foreclosure crisis has led over 20,000 troubled homeowners for private consultation.  By executing specific strategic plans, we have been able to help thousands of homeowners save their homes.  We have also settled/modified over 10 billion dollars in debt.

Our firm has over 40 years experience counseling people with credit problems, foreclosure problems and debt problems.  Whether you need the resources to help yourself or a more graduated level of help, this site has been designed to guide you in the right direction.  Our firm has a very aggressive passion for helping folks with debt problems and foreclosure issues.  We are here to help you.  Because you deserve an expert in your corner!

Success Stories

The PDFs below are actual case files that we have completed for our clients.

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Client was 38 months past due. Rate reduced from 5.25% to 2.00%, payment reduced from $2017.24 to $1306.80.  Principal reduced by $146,787.13.

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Rate reduced from 9.2% to 1.11%!!
Payment reduced from $545.00 to $143.25.

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Modification after Chapter 7 bankruptcy discharge
Payment reduced from $1486.19 to $1185.85

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Payment reduced from $3053.68 to $494.13

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90% DISCOUNT!
Debt settled from $107,000 to $11,000 .  10% net settlement ~ 90% discount!

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Payment reduced from $1040 to $883.83
even though client had two previous modifications

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Rate reduced from 6% to 4.25%
Partial waiver on past due payments

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60 Months Delinquent
Rate reduced to 2%, foreclosure sale date halted twice

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Payment reduced from $345.99 to $266.50

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Modification after Chapter 7 Bankruptcy
Payment reduced from  $1165 to $850.58

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DEBT SETTLEMENT
Original balance was $51,000.00
Settled for $10,500!

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DEBT SETTLEMENT
Original balance was $27,691.00
Settled for $7500!

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LOAN MODIFICATION AFTER CHAPTER 7 BANKRUPTCY
Homeowner filed Chapter 7 on 8/25/10 and discharged all of her mortgage debts. Regular payments were $4529 on a loan amount of almost $650,000 originally with Aurora Loan Servicing. This borrower had no success on her own attempting to complete a loan modification with two previous law firms. Homeowner was almost 3 years behind on payments and required contribution income and multiple banking regulatory complaints to be filed for completion. Her new payment is $2764.42 at a 2% rate for the first 5 years of the loan. The rate will go up 1% each year thereafter and cap at a 4.7% for duration of the loan, with an incentive of a principal reduction if payments are paid on time.

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OLD PAYMENT = $3,270
NEW PAYMENT = $2,081

Client came to our office after working with a law firm for over five months with an option arm mortgage with Wells Fargo. Client was over 12 months past due and self employed. Client owed more on home than it was worth with a payment of $3,270 that was modified to a fixed payment amount of $2,081 by Wells Fargo based on 31% of client’s gross income.

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OLD PAYMENT = $2,363
NEW PAYMENT = $1,697*
*INCLUDES ESCROW PLUS $90K PRINCIPAL REDUCTION

Client came to our office with a breached modification with Bank of America. Client was over thirty-nine months past due and self employed. Client had received a loan modification through First Franklin before loan was sold to Bank of America where the modification did not transfer with the loan. The loan was ultimately modified to a fixed payment amount of $1,697 from $2,363 to include a $89,896 principal reduction in Bank of America’s permanent loan modification.

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OLD PAYMENT = $5,253
NEW PAYMENT = $2,438

Client came to our office three months past due on the mortgage with Midland Mortgage. Client is a cosmetic surgeon and was experiencing a slow time in business. Client owed more on the million dollar home than it was worth with a payment of $5,253 that was permanently modified to a new payment in the amount of $2,438 by Midland Mortgage.

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The client saved $800 per month on their payments!

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Client was 52 months past due
Old Payment = $1556.00
New Payment = $778.91

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Old mortgage payment was over $6100.00!

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Old Payment = $1493.00; rate 4.9%
New Payment = $859.00; rate 4.34%

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Completed a deal with a second mortgage debt buyer.

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Client came to Fresh Start late November 2011, with a sale date for 12-16-11. We negotiated postponement of the sale date and completed the modification before the end of the year.
Orignal Payment = $865.00; rate 6.5%
New Payment = $613.00; rate 4%; 30 year fixed

28k behind on payments moved to the back of loan

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$88,900 Principal Balance Reduction
Rate Lowered from 7.5% to 4.25%

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$108,000 Principal Balance Reduction

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Original Payment = $1,437
New Payment = $958

Client was 30 payments past due, yet saved his home.

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2nd Mortgage was Completely Forgiven

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Original Payment = $2,677
New Payment = $1,973

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Original Payment = $3,200
New Payment = $2,544

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Original Payment = $2,271
New Payment = $1,324

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Original Payment = $1,858
New Payment = $1,168

Client was more than 22 months late,
and foreclosure sale date was 3 days away.

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Original Payment = $1,830.23
New Payment = $1,355.21

Past Due Over $17,000 moved to the back of the loan.

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Original Payment = $2,120
New Payment = $940

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Payments cut in half

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Original Payment = $2800.00
New Payment = $982.93

Original Rate = 9.65%
New Rate = 2% for the LIFE of the loan!

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Original Payment = $5487.32
New Payment = $3438.35

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15% reduction in payments
12 months of past due payments recapitalized

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This client had her home built in 1995. Delinquent 10 months. Ocwen gave her a loan mod last year and then they canceled the agreement FOR NO REASON.
Original Payment = $559
New Payment = $394

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Original Payment = $1,578
New Payment = $859

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Original Rate = 8.875%
New Rate = 3.875%

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$49,872.50 moved to back of loan
First payment pushed out 2 months

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Original Payment = $2,851
New Payment = $1,529

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Old Payment $1555.23
New Payment $1241.15

Nine months behind on mortgage payments
$15,000 moved to the back of the loan.

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This modification was achieved after the borrower had the mortgage debt DISCHARGED UNDER CHAPTER 7.
This is a BIG milestone to overcome.

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The client was in adjustable rate mortgage that reset from $1200.00 to $2000.00 per month. This case was opened up on 02-24-12 at Fresh Start Legal Network. Borrower had fallen behind 1 year and had a sale date for 02-29-12. We successfully negotiated and postponement the sale as well as a reduction of payment to $1295.28
Another ABSOLUTELY SATISFIED CUSTOMER!

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Latest Articles

November 23, 2014
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The non-bank mortgage service industry is in the line of fire right now.  It is under pressure, politically charged, but also a huge money machine.  Regulating the industry is on the forefront of many Government Agencies.  However, the topic of regulation is both complex and controversial.  Ultimately, regulation of the industry crosses the lines of […]


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The mortgage and foreclosure crisis that stunned our economy in 2007, has yet to resolve itself.  Actually, the worst is yet to come.  The statement “worst” does relate to the volume of foreclosures…it really relates the intensity of the process.  The recent 2 year price spike in housing values, has pushed banks towards favoring repossessing […]

   
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