CDA Law Center

What a difference CDA made! I was at my whit's end, ready to give up and my husband came home and had a number for CDA Law Center. After losing all of our savings from previous attorneys and loan modification companies, I reluctantly called CDA and spoke to Valentino. He went over my earnings and told me what fees were up front. Again, reluctantly, I agreed to the contract. Shortly, I was contacted by Crystal **, the attorney who handled the modification. We stayed in constant contact with each other and informing me of everything that was happening as I was going through the process.

And then it came, the answer that we had longed for, the modification agreement! How elated I was. Valentino and Crystal immediately contacted me and congratulated me on the modification. I could not have done this without CDA Law Center and the case manager from BOA agreed. Thank you so much Crystal and Valentino for all your help. You guys are great!

I had gone to CDA very reluctantly after being told they cannot help me unless I was late. I had spoken to the attorney, some guy named Daniel who told me that I need to run some kind of report so we can make sure the bank helps me. I had to pay them $600 upfront to run this report and once they had submitted my package to BOA, I was quickly denied. When I asked them why CDA tried to blame me, telling me I didn't deposit the money in the account like I was told (I don't have the money, what do you want me to do? Lie?). When I asked for my money back, they refused saying something like they did the work and my only option is to pay again so they can resubmit my package. This fake-sounding lady, by the name of Ashley, is horrifying to work with. She is insincere and not even an attorney. I wonder if they have any real attorneys over there.

I feel very grateful, fortunate and blessed to have been helped by Paul **, Sara ** and Suzie ** from CDA Law Center, because they were able to help us get a HAMP mortgage modification we could afford to pay.

In 2009, we had a pay option arm loan from Wachovia which had continued to go up in interest along with the principal balance, because we could only pay the minimum payment and became increasingly unaffordable. We couldn't refinance because the loan was underwater. I kept calling the bank but they said there were no programs available to help us out at the time and one should be coming out soon. We finally turned to a modification company and they were able to get an in house modification with 5.875% interest rate fixed for 40years, but the payment was interest only for 10 years then 30 years with principal and interest and no taxes and insurance included in payment. So, the payment was just a little less than what we were paying which was already unaffordable. We told the negotiator it was still unaffordable, but she said we should accept it and try to modify loan again after a year. We accepted the modification because we thought it would be better than having our payments keep going up.

After, the first year passed, I tried calling the mod company and it was out of business. I went through another modification company and lost money because it was a scam operation. Our family life had become increasingly stressful financially, physically and emotionally in the last two years. Our income had dropped and we were constantly pulling money from savings.

We really needed help, but I still didn't know where and if we could really get another modification. I was already fearful and worried that I might choose the wrong place to get help. I found CDA Law Center through reviews on the internet. Someone had received a second modification. We had no more options, we had to do something. So I called, I spoke with Paul **. I told him my situation and he was very easy to speak with. I felt very comfortable speaking with him and he explained how their process works. I listened to what he had to say about the Rest report. The Rest report can actually show numbers you where you stand in getting a modification. I told him I would think about it and call him later after discussing it with my husband. I called two other law firms that did modifications to get more information. I still didn't know who I would go to because they all said they could help us. But, CDA Law was the only company that had the Rest report from the ones I called so I sort of favored them. I was still afraid to make the wrong decision and prayed for help. A few days had passed, it was Saturday and Paul called me. I almost didn't answer it. Looking back, I realize now he was the beginning of the answer to my prayers.

We did a conference call with my husband and we decided to trust them and take the leap of faith and began the process with them. Our Wachovia mortgage (which is now owned by Wells Fargo) was modified and we begin our first trial payment in April. We will be saving $1098 a month on our payment and our payment now includes principal, interest and taxes. Our interest rate will be 2% fixed for 5 years, then the 6th year 3% fixed and then the 7th year fixed at the current market interest rate today for the life of the loan.

We had a lot of documents to send and Sarah ** our processor was always available to answer questions and help with the documents. Paul ** was always there for questions and concerns I had about anything and he always kept me calm when I got too worried about the process. Suzie **, our negotiator, worked really hard to get us a comfortable payment and kept us informed as to what they would propose for you based on your income. And every week, she emailed us with what the status was on the modification once it was with the bank. They are a great team to have on your side. They are not only very professional, but also very kind and compassionate people who can understand the emotional stress you are going through and really want to help you.

This is the first review I have ever written on the internet. I know there are so many people struggling financially and emotionally because they aren't sure who will really help them. I hope, if you're not sure who to turn to, this will help you with your decision.

Our house was is serious risk of going into foreclosure. CDA Law Center was recommended to us by a friend we trusted. Crystal worked with us closely going over everything we needed. She was well organized and made the loan modification so easy! She was always there to answer any questions we had and always made us feel comfortable in the process. Thanks to Crystal, we not only still have our home, but she was able to fix our new loan with the lowest rate possible! I would highly recommend Crystal at CDA Law Center to anyone!

I still cannot believe this. It really worked and happened! Thank you and thank you CDA Law Center. I signed a retainer agreement with CDA Law Center and I got my loan mod approved. It took only two and half months! I had expected to take much longer than that! My new monthly payment is $2K/month, including both interest and principal, comparing to my old one, which was $4K/month, interest only.

My original loan was with Bank of America. It would become adjustable in December 2011. Since last year, I called BOA several times to see if I could get fixed rate by refinancing. But they could not do it because my FMV $580K was too low compared to the total loan amount of $744K. It was not qualified for HAMP either because it was passed the limit. Then BOA sold my loan to E-Trade effective 7/1. I thought I couldn't do anything, until one day, I was reading some news/postings online and found restreport.com could help. So I tried and called the 1-800 number. I am now so glad that Valentino picked up the phone.

He became my case manager and he is very good. At the beginning, I had a lot of doubts, concerns, and questions.because of fear of scams. But it turned out CDA is a truthful firm. Val followed up with my concerns and questions very quickly. He said he wanted to make clients happy and he did. He was always there available for me in each stage from the beginning evaluation, to document preparation, and then to loan negotiation, although some other specialist was assigned after signing a retainer. I also want to thank Stephen, my loan negotiator. He was very patient when I asked tons of questions about how to prepare paper works and what to give to the lender. Without his knowledgeable advice, I could have spent more time in preparation or submitted unnecessary or wrong paperwork, that could delay my case. Thanks again, CDA Law Center and the people who work there!

I'm not the kind of person who normally leaves writes reviews, but I felt compelled to let everyone know of how wonderful CDA Law Center really is. Call them and ask for Val, she will take great care of you. It was his compassion and knowledge that left me at ease. I too was very skeptical, how was I to trust someone I didn't know with such a sensitive matter? I took a chance and am so thankful that I did. Because of CDA Law Center, I was able to keep my home. It was the negotiator Christine's tenacity, hard work and determination that helped me with my lender. Trying to negotiate on your own with banks does not work, believe me, I've tried. If anyone can help you in your time of need, it's the wonderful staff at CDA Law Center. Good luck to everyone! Thank you CDA Law Center.

Thanks to the help of Paul ** and Cristine ** at CDA Law Center, my home has been saved from a foreclosure sale. Due to the bad economy, I was almost 16 months behind on my mortgage payments. I tried, on my own, to obtain a loan modification but was denied twice. CDA Law Center stopped my sale date twice. They were able to negotiate a modification in less than 60 days, and bring my interest rate down to 2%, fixed. My payment is being reduced from $2,047 to $1,520, which means a savings of $520 a month. After my loan is permanently modified, I will also qualify for a principal reduction, in the amount of $114,100. Thanks again, Paul and Cristie for saving my home. They are the real deal. Please contact them, if you wish to save your home.

I wish to extend my profound gratitude and appreciation for the expert and compassionate assistance given to me when I had nowhere to turn. Val ** was extremely understanding at the outset thoroughly explaining my options and my best course of action.

The subsequent instructions in assembling my package and the prompt and efficient manner which Jacqueline ** demonstrated in negotiating the wonderful solution to my dilemma will always be remembered.

If I can be of help in any way to recommend your Law Firm - please know I will do so.

After multiple failed attempts to acquire a loan modification on my own, I contacted CDA. I was very skeptical about hiring a law firm to do what most people told me I could do on my own. All the CDA personnel associated with my modification were very knowledgeable and helpful. They outlined the process then walked me through it step by step. I was told that I would be able to go from a negative amortization loan to a principal and interest loan and save more than $1,100 a month. I didn't think it was possible but decided to give it a shot. They worked with me closely throughout the process, taking care of the loan modification request and submitting to the bank. Now, thanks to CDA my monthly payment has gone from $3,600 per month to less than $2,500 per month. CDA delivered on their promise and I would definitely recommend them to anyone who thinks they can handle a loan modification on their own. Save yourself time and money. Call CDA. They are the real deal! Thank you CDA Law Center.

After agreeing to modify our home loan, I paid for the so-called "Rest Report" of $595 then realized I didn't want to continue any further. I terminated the agreement before the initial phase 1 began and thought all was okay until my account was debited for $1450 weeks later for phase 1. I called and talked to a representative who told me that they would not be refunding this money because it went towards phase 1 of the process. The conditions of what I understood was that I send documentation of required documents. I never got that far because I terminated the agreement.

I demanded that they return my money because it was obvious that phase 1 was never started and arrogantly, this representative said I did not read the agreement properly. Terminology that I understood was that I was to send my letters of hardship and other documents of taxes, etc. I did not get that far so how can they charge me for nothing! How can people get away with using the law to back up their undermining deeds?

I was willing to accept the fact that I literally lost $595 for the "Rest Report" but to lose much much more for something that I thought I followed through properly is incomprehensible. CDA should be put an alert to consumers for what they are doing to people. CDA Law Center preys on the vulnerable and then they hide behind the law to protect their own conniving practices. Is that justice?

CDA Law Center took the last 2400.00 dollars. I had to try and save my house and did nothing more than send emails to Bank of America requesting for a modification, which is the same thing that I did prior to obtaining this firm, but was continuously denied.

I was very straightforward with CDA Law Center advising them that I was in Chapter 13, and was told time and again that it's not a problem and that "CDA Law Center has never lost a case with Bank of America". I was also advised by the sales department that all my money was returnable to me if CDA Law Center could not get my loan modified. The sales department also advised me that they had attorneys on hand to fight my case in court before taking my last dollars, but later learned that the attorneys he referred to do not take matters like mine to court. My question to them is, why did I obtain a lawyer's office? The sales department also advertises they have people in Bank of America assigned to exclusively work for CDA clients which is also untrue.

Furthermore, I was given a pre-approval before my money was taken from me and now CDA says Bank of America does not have an option for me while in Chapter 13. They claim to be so-called experts in the home loan modification business but would have known this if they were experts in this area. As of now, CDA Law Center has refused to return my emails and voice mails regarding my complaints. As well, CDA Law Center will not divulge ownership of the firm upon my requests to do so.

As of my research, I am finding that it maybe an attorney named Mr. Robert **.

We applied for a loan mod. CDA wanted payments upfront. We were able to split the payments, $1,150 each within a few weeks apart. Documentation, hardship letter, pay stubs every few weeks were given. Our mortgage company was B of A, and CDA said we got an in-house B of A negotiator. After weeks of not receiving an answer, I called the phone number CDA was using for the negotiator, and was told that the negotiator was taken off any type of loan mod. after the first few weeks. Months went b with the same answer from CDA, "no answer from B of A yet". CDA could not even tell me who the private investor was for our home. We have since had to do a short sale on our home, and after several attempts to re-coop any funds from CDA, have received zero dollars as a refund. Robert ** is the lead attorney for this law firm, and Jaclyn ** and the initial advisor, Ray **, are quite the salespersons. My real estate agent was able to pull up within minutes information on who my private investor was. CDA promotes helping the consumer against predatory lenders, when they themselves are a predator.

In addition, to make matters worse, our home was sold through a short sale; however, B of A does not recognize the sale, and now we have received letters of our previous home being sold at auction, one week from today. Our real agent who sold the home was advised, and he has been in constant contact with B of A advising them that the home was sold.

B of A is another horrible experience which is another huge mess. The right hand does not know what the left hand is doing. We received the copy of the deed of trust, indicating the home was sold, from the office of the county recorder yesterday.