Sentinel Law, P.A. provides loan modifications and forensic audits. Everywhere we turn now there is a sign by the road or a commercial from a new group offering modification help. We have the experience and knowledge to provide you legal advice and alternatives to foreclosure, leveraging your rights under such laws as TILE, RESPA, HOEPA, ECOA, etc... Several of these laws have both federal and state guidelines. Sentinel Law, P.A., also performs forensic audits of residential loans to ensure your rights have not be violated in the process of real estate closings or ammortization. The major difference between Sentinel Law and many other "Modification Consultants," is that a licensed and insured real estate attorney will be doing the actual negotiating. If you would like to learn more about our services, Contact us Today!
Credentials!
Always do a background check to verify the credentials of the people you are dealing with. Upon request, Sentinel Law, P.A. will provide you a profile of all employees and their capacity with your case. Make sure the company is really what they say they are and can do exactly what they claim to do.
Proper Disclosures !
There are statutory disclosure requirements for every modification or foreclosure rescue company to provide prior to contracting for services. Many of these operations got to extravagant lengths to avoid the requirements. Some of these operations will throw money at attorneys to say they are "affiliated" or "have attorneys working for them." This is typically pure nonsense. Any attorney licensed in Florida should know that an attorney-client relationship should be formed before rendering any service through or with any company.
Free Loan Audit !
Many people need to save their home and don't realize they were victims of predatory lending. Our lawyers will do a free forensic loan audit on your mortgage when you retain us to pursue a loan modification. If you're in risk of foreclosure due to subprime lenders or unlawful lending practices, please contact us today.
No Advanced Fees?
Many companies claim to not charge you upfront. Unfortunately, they charge an outrageous amount of money at the end of the arrangement. All the sudden you're getting collection calls from the people who claimed to be helping you. At Sentinel, we charge nothing up front. More importantly, we can help you whether you get into a legal action like a lis pendens, foreclosure, or even face a sale date for public auction.
Please avoid modification companies that do not provide all of the above stated features. You should also contact the Attorney General's Office in your state to ensure that the company or the people working there are not under investigation. Furthermore, you may also see how many complaints are filed against them on sites like ripoffreport.com or the BBB. However, this is not a gurauntee that they are credible. BEWARE OF SCAMS!
Unfortunately, hundreds of shady overnight start-up "Loan Modification" companies have used scams to mislead people in dire need of saving their homes. Many of these companies are the just old companies that were shut down and repackaged. Naturally, people have grown skeptical of who they can trust to legitimately help avoid foreclosure and save their home. First and foremost, make sure you are dealing directly with someone who is licensed to practice law. Some operations are merely a group of sales people and processors who are pushing paper around that you took the time to fill out. Attorney Generals around the country are cracking down on these operations.
Sentinel Law, P.A. will negotiate and seek to provide you the following:
- Lower your payment
- Reduce the total interest and/or principle
- Reduce your interest rate
- Convert to fixed rate
- Waive past due balances
- Reduce loan balances
- Remove derogatory statements off your credit report
- Increase your credit scores
- 5-8 week average time!
Please note: If you home is presently under a lis pendens or foreclosure, this offer does not apply. In instances where the home owner is in a lis pendens or foreclosure, we will pursue a loan modification as an ancillary matter under florida statute chapter 494. For more on foreclosure defense, please visit our foreclosure page under practice areas.
