Q: Can a lawyer help me to negotiate with my mortgage company?
A: Yes, you can hire an attorney to help you negotiate with your mortgage company, but it has become increasingly difficult to find an attorney who will take on these kind of cases because of all the bad press and laws that prohibit advance payments for this kind of service. I am assuming you are trying to get a loan modification and the success rate for permanent loan modifications is very low. While I don't handle loan modifications for my clients, I do provide a free consultation to determine if they would qualify and if they choose to proceed with a loan modification, I will tell them how to put together the package to increase their chances at success. In my experience, many loan modification applications fail because the home owners don't understand the eligibility requirements and they don't do a good job at providing the necessary information to the lender.
A: Yes, loan modification lawyers can help you. Unfortunately, there may not be very many of them because of the bad conduct of some lawyers in the last several years and facing the severe consequences of some of them for their conduct. Call the Bar Association for referral. Good luck.
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