The Pro Defenders - The Law Firm of Timothy McCandless

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Want to learn more about Mortgage Reduction Law? Click here to watch our video.

We CAN "Stop Foreclosure", Stop Creditor Calls, Help you get back on Track!

You should apply for a Mortgage Law Review

if you meet ONE of the following:

Late or Delinquent Payments
6% Interest Rate Or Higher
Current or Pending Foreclosure
Robosigned Documents (MERS)
Hardship Situation
Lender is Bank of America, Chase, CitiBank, Deutch Bank, A Securitized Trust or another lender

It Only Takes A Minute...

In Bankruptcy *
Yes No

First Name *

In Foreclosure *
Yes No

Last Name *

Mortgage Balance *

Address

Property Est. Value

Postal Code

Payments Behind

Phone Number *
- -

Unsecured Debt (credit cards)*

Alt Phone Number *
- -

Net Household Income*

Comments

State *

Email *

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Northern California

820 Main Street
Martinez, CA 94553
(925) 957-9797
FAX: (909) 382-9956

Southern California

(909) 890-9192
FAX: (909) 382-9956

BEFORE SUBMITTING ANY INFORMATION ON THIS FORM, PLEASE REVIEW OUR PRIVACY POLICY. OUR PRIVACY POLICY TELLS YOU HOW WE WILL USE THE INFORMATION THAT YOU PROVIDE AND HOW YOU CAN PREVENT US FROM SHARING THAT INFORMATION WITH OTHER.

IMPORTANT-PLEASE READ: By providing your contact information on this website, you are expressly granting permission to be contacted regarding mortgage reduction ("loan modification") services even though you may have previously chosen to have your telephone number added to any Do-Not-Call List including lists maintained by any local, state, or federal government agency. This is not a government site or program. There is information on this site to help you find out more about the government programs that exist.

THIS IS AN ADVERTISEMENT OFFERING, FOR PROFIT: MORTGAGE REDUCTION, LOAN MODIFICATION, MORTGAGE REFINANCE/ORIGINATION AND/OR FORECLOSURE RESCUE SERVICES. THE ADVERTISER OR COMPANIES OFFERING THESE SERVICES IS NOT ASSOCIATED WITH ANY LOCAL, STATE OR FEDERAL GOVERNMENT AGENCIES.ADDITIONALLY, THE COMPANIES PROVIDING ANY OF THE SERVICES MENTIONED ABOVE IS NOT ASSOCIATED WITH AND DOES NOT HAVE ANY INSIDE RELATIONSHIP WITH ANY PARTICULAR LENDER AND/OR MORTGAGE SERVICER. THE COMPANIES PROVIDING THESE SERVICES MENTIONED ABOVE AS DESCRIBED IN THIS ADVERTISEMENT ARE FOR-PROFIT ENTITIES. *We Are Not associated with the federal government or the American Reinvestment and Renewal Act. We are not a government agency*

We have created this internet site so that you can refer your facts to The Law Firn of Timothy McCandless who can give you a lot more information on the mortgage reduction (loan modification) process. There's plenty of info available on loan modifications and refinancing, but our main objective would be to assist you get the information you will need on all of the loan modification programs offered to you. There are many banks and loan servicer that have programs to help struggling house owners, some of these are: Citibank, Citimortgage, Gmac mortgage, Ocwen, Sun Trust, LBPS, Americas Servicing Business, far better know as ASC, among lots of other people.

When presented with issues regarding your mortgage it is generally best to deal with your Bank as soon as possible. The sooner you take these difficulties on, the far better your outcome may be. A mortgage reduction or loan modification will not be automatically granted to you and Citibank or any bank won't merely perform a loan modification without talking to you in advance. Its imperative that you take action and know that time is your enemy. There are numerous options available to you when seeking a mortgaqge reduction or loan modification. You are able to do it your self or pay a provider to assist you. Please note that your bank such as Bank of America, GMAC Mortgage, Citibank or even Chase Mortgage will not charge you for a loan modification. There's NO fee for a loan modification from your bank or servicer in most instances. In the event you need to have a professional assist you, then in most cases there's a fee involved. Our web-site will pass your information and facts along to The Law Firm of Timothy McCandless who is a for-profit entity. There's also many non-profit programs and agencies for instance that will be able to assist having a Mortgage Reduction or Loan Modification for a decreased fee. But the most effective bet would be to usually call your bank first and see if they will aid you with your modification.

Generally be certain to take a look at any organization you are thinking about doing business with and be sure they're fully complying with all local, state and federal laws regarding Mortgage Reduction (or Loan Modification) before performing business with them.

Sometimes even after working with your lender and reviewing every option you may still need to file for bankruptcy to protect your financial future. We can provide you with legal advice and represenation. Please visit our bankruptcy information site for more information on Chapter 7, Chapter 11, Chapter 13 and other bankruptcy laws.

Continue to check back frequently for more updated mortgage reduction (loan modification) news, but don't expect Wells Fargo or Wachovia to offer a loan modification with a principal reduction. Be wary of any company that says they can do this for you if you have a loan with either of those banks.