Our primary goal is to keep our clients in their homes. With this goal in mind, we advance the interests of our clients through negotiation with lenders, and when necessary, litigation. Fortunately, many lenders have the goal of keeping their financial losses to a minimum. In this mortgage meltdown market, keeping the lenders' losses to a minimum is often best accomplished by keeping a borrower who can at least a major part of the mortgage in the house. Thus, the goals of our clients often meet those of the lenders. While it would then seem easy for borrowers and lenders to come to agreements, reaching the right person at the lenders' offices, as in the one who can make decisions, is often very difficult. We are able to get to the right people and, when needed, to the lenders' attorneys. We negotiate directly with the people at the lenders who can make decisions, and make the most logical ones for both the lender and the borrower.

When negotiations fail, and our client has valid complaints against the lender, we file suit in court. This gets the lenders undivided attention, and puts us in a position to be heard. Fortunately, the big lenders hire "big name" experienced law firms who understand mortgage laws very well. These seasoned attorneys do not usually hesitate to settle when faced with facts against their client. Thus, many cases will settle before trial, which means less hassle for our client and for the lender.

While we individualize our services for each client, a general overview of what we have to offer is as follows: