COLLEAGUES IN LAW

"Think Outside The Bank,
Forcing The Lender To Negotiate"





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Who we are & What we do

foreclosure defense programs

Do you need more time in your home? Our foreclosure defense team can delay your foreclosure.

Opening our doors in 2007 with the mission to help homeowners make educated decisions about foreclosure and their legal options, we now help both the legal community and the public receive what they deserve by helping distressed homeowner's receive what's theirs by FORCING the banks to modify their loans through our Advocate and Dispute Resolution Program. Our service began when the head of our Advocacy Department turned denied modifications into Approved modifications through his out of the box and innovative thinking. This led to powerful discoveries which included the attention of the lending institutions and their willingness to now negotiate whereas before they would not even give the homeowener a chance.

We are a firm that has pioneered and created a path for guaranteed success. We will continue to accept only a limited number of clients per month so that each case is provided with the equal amount of efforts.

eviction defense

After a foreclosure auction, borrower's face the threat of being evicted. You can fight back legally with our Eviction Defense Program to buy more time in the property through legal recourse.

With each homeowner, we execute a series of questions and gather documents from County Record to make sure to evaluate each homeowners situation thoroughly to determine whether there may have been unlawful practices which include wrongful denial of a loan modification, securitization issues, loss of documentation during the review of a modification and more. We've helped thousands of homeowners not only by keeping them in their homes, but also by providing the most effective way to restructure a home loan payment, principal and/or rearrages, providing a fresh start in the home they worked hard for.

We expect 1.5 Million homeowners to face foreclosure in 2013 and more in 2014. It is our mission to help as many homeowners as we can and to also help educate homeowner's about their legal rights.

think outside the bank

Forcing the lender to negotiate
our mission

We believe that each and every distressed homeowner should be heard. Not only has the Mortgage Banking system failed us but the ability to work out a fair solution has become nonexistent and we will not stop until our clients have been heard. Due to the innovative and ground breaking tactics of our Advocacy Department, we are all proud to be part of a special program that helps homeowner's across the Nation by forcing the banks to negotiate a fair resolution. Our Advocate & Dispute Resolution service was designed to break through the traditional guidelines that banks have set up to follow, but has only proven to deceive homeowner's. Whether our clients have asked for the lenders help in the past, hired several attorneys in the past or tried many times on their own with no success of a modification, we will continue to do what is right for the Homeowner.

Our service starts off with a Discovery Assessment Analysis to determine if we have the leverage to complain and expose the lender based on the homeowner's experience and/or other issues the bank may be facing. If we approve the case for Enrollment, the next step would be an interview between the client and our Case Analyst to determine the venue for complaint and which angles of pursuit our team will engage. We apply pressure through different complaint remedies, which results in a direct response from the banks Executive Office within a short period of time. This allows our team to continue to expose the situation and continue to put pressure on the hands of the bank, which results in a forceful negotiation period where we will demand aggressive figures only to settle with something fair for our client.

We also strive to educate Homeowner's about their options and to help inform them about their rights. We ask that you do your research and due diligence on our firm so that you have an understanding of why we are successful. Some homeowner's will need to go through the process on their own before understanding how the banks will act. We are proud to report that we have a very happy staff and group of clients. This is why we do not have to blow our image up over the internet. Our main focus is to keep fighting for the homeowner's since the banks seem to be consistent with taking advantage and making mistakes. We accept files from a few loan modification attorneys' that have been unable to help their clients. This says a lot about Colleagues in Law and our expertise since other firms that specialize in providing loan modification services will send us their unsuccessful files in order to get a resolution.











COLLEAGUES IN LAW


WHAT IS THE ADVOCATE & DISPUTE RESOLUTION PROGRAM?

This is an exclusive and proven strategy that forces the bank to negotiate a homeowner's mortgage terms in a fair and transparent forum. The conventional strategy consists of packaging the homeowner's financials and submitting to the lender in hopes the lender will modify their loan. Obviously this is not the case as lenders seem to consistently lose documents and deny submissions for unknown reasons. Our exclusive Advocate & Dispute Resolution aka A&DR program has been proven to be the most effective way in today's economy to bring the lender to the table. The program was developed by our Advocacy Department lead Case Analyst who began developing the program for homeowners that were denied a loan modification and/or paid an attorney to get them a modification, but were denied or presented with a short term program that did not provide relief. This is the most effective way to obtain a loan modification since it forces the lender to respond to our government complaint cases. The pressure itself puts the lender in a position where they want our efforts to go away. The homeowner is finally included in a process in which they have the resources to successfully fight this unconventional warfare.

HOW WAS THIS STRATEGY DEVELOPED?

Our lead Case Analyst whom oversees our Advocacy Department started developing the program after realizing that the banks did not want to help many homeowners. No matter how many different ways a file was submitted, the banks would come back and deny help to struggling homeowners. Our Case Analyst had a friend who worked as loss mitigation supervisor for a major lender. He educated him on the need for lenders to be in compliance, and he educated him on the importance that these lenders place on complaints from the agencies that regulate them, as well as government officials. He also taught him that banks are trying to rebuild their reputation and cannot afford to be exposed in vigorous ways and made to look bad to the public, to their government, and to the agencies that regulate them; This is something the banks are trying to avoid at all costs, despite some of the unprofessional experiences most homeowners have with loss mitigation departments; Our Case Analyst started working with a few law firms and began working on cases where homeowners had been denied multiple times. With this approach and hard work, a unique and unconventional strategy was built and has remained an underground source for those that needed help. Recently our program has been brought to the general public and we look forward to helping many struggling homeowners across the nation.

WHY DOES THIS WORK?

Every bank, credit union, lender, savings and loan, etc. have some sort of regulatory agency that oversees the lender's fiduciary conduct. By filing complaints that have merit and general code, we generate federal case numbers that the bank MUST respond to. We also are able to influence local government officials (Congressman, Senator, etc.), the bank MUST respond to as well. In the event we get the Attorney General's office involved, the bank MUST respond to them as well. They have to respond and tell these agencies and entities what they are doing to resolve the problem that was described in the complaint. Our complaints are designed to pressure not only the personal issue, but the legal remedy involved. If the complaints are not drafted correctly, they will be rejected and the complaint campaign will hold no value. This process automatically creates a problem for the banking institutions involved and 100% of the time we are able to get the case escalated into the Executive Office of the lender. This allows us to work with a single point of contact and avoid all the different banking representatives through loss mitigation. Once we reach the Executive/President's Office, the lender will want a clear and well defined understanding of the resolution we are looking to secure our client. This is when the negotiation stage begins. We send a demand letter with aggressive figures to let them know we are serious in resolving the matter. At this point the bank/lender has been forcefully leveraged with a fair and transparent resolution based on a program that noticeably benefits the homeowner.

BUT I THOUGHT MODIFICATIONS "DON'T WORK?"

Modifications do not work the way they are supposed to from a conventional approach. Banks are not helpful nor will they go out of their way to give homeowners a discount, even though they were incentivized by the US Government to do so. However, the Advocate & Dispute Resolution strategy has been wildly successful because we are fighting back through unconventional means. The complaints we draft for our clients are worded with detailed and specific verbiage to look as if they were written by the homeowner, versus an attorney or third party. This way we get the file escalated to a better department then loss mitigation. We are experts in what the complaints need to say and what points need to be argued. The process also allows the client, the angry taxpaying American to appeal to his/her government and elected representatives to help them cut through the red tape. Every file that has been taken on through this program has been escalated into the Executive Office/President's Office typically within 1-3 weeks, although there have been cases of 1-2 days. The timing depends on the lender, client's situation and circumstances involved. After we reach the Executive Office, the negotiation stages begin and we now come out from behind the shields to show the lender you have a very powerful company and process working for you.

WHAT EXACTLY DO WE DO DURING THE ADVOCATE & DISPUTE RESOLUTION PROCESS?

The program begins with a comprehensive Discovery Assessment Analysis to determine if our firm has a case with merit. After the Discovery Assessment is completed, an eligibility report is then provided to the homeowner, notifying them if they were approved or denied for the program. If the homeowner is approved, we provide them with an analysis report along with a few of the corresponding documents that were used during the review. The homeowner is given a written approval for their records to show how we determined their eligibility. If we do not feel the case has qualifying merit, a letter of declination is then drafted and mailed to the homeowner. After the homeowner has reviewed documents and completed their due diligence, the enrollment process is executed with an Acceptance Agreement being completed along with securing Phase 1 to begin services.

We research the individual circumstances of the client and their dealings with the lender. After the enrollment process has been completed, an interview is set up between the homeowner/client and our senior case analyst. The interview allows our team to develop our strategic areas of schematic drafting and determine which angles we will pursue complaint action with special grounds and circumstances. Based on the lender and the nature of their current issues, we identify the proper venue for the complaints. This has become more effective then filing a suit against the bank since the bank uses legal remedy and unlimited amount of resources to drag out the issue. With our process we apply persistent pressure to the agencies that regulate the subject bank and within time we receive the favorable response we are looking for. Each case is very personalized for the client reflecting their personal experience with the bank and is articulately addressed. Clients are not only satisfied but empowered by their ability to fight back against the banks, especially when the complaints and letters are personalized to their experience. We complete all the work for the client and supply them a copy of the completed case complaints for their review and approval. Once the Executive Office is involved we execute a third party authorization to speak on the clients behalf and the negotiation process begins.

This is like a chess match. We have to counter the move each lender makes. Because of our complaint cases and the fact that they have to respond to these regulatory agencies as to how they are resolving your problem, the banks will tell us everything that they are doing during the process and why they reached the decision that was made

HOW LONG DOES IT TAKE?

Each situation is unique, but with smaller banks we have received permanent modification offers in as little as one week. With larger banks we have received permanent modifications within 3 weeks however the average time is about 2-3 months. The beauty of this strategy is that a previous decline does not mean the file is done. The lender will tell us the actual reason the file was declined, giving us even more leverage.

DOES IT WORK?

The strategy has been wildly successful. Every client who we approve through our Discovery Assessment Analysis has received a fair and transparent negotiation. There have been cases where the bank has informed the client before enrolling with our firm that it was impossible to do ANYTHING and within 3 weeks they have been offered a permanent modification after our complaint cases are executed. Our program has even offered success to homeowners that have a credit union as their mortgage lender. The program we offer has proven that anything is possible.

1. This is an Alternative strategy

2. This is unconventional warfare

3. No other company offers this

4. This is personalized for the homeowner

5. The client is going on offense against the bank that has behaved outrageously.

6. The results are tangible and quick. Within 2 weeks of signing up (on average) letters and complaint cases will be ready to go and will be on the way to the selected agencies and entities. Client should be escalated into the executive office typically within 1-3 weeks although there have been cases of 1-2 days.

TESTIMONIALS

HERE'S WHAT OUR CUSTOMERS ARE SAYING ABOUT THEIR EXPERIENCE:



"After working with Barry I must say my expectations were far exceeded. My friend told me that any kind of principal reduction would be like expecting to win the lottery. I'm living proof that it is possible along with a rate that is lower than today's market rates which are supposedly at a historical low. If anybody wishes to speak to me about my situation, please feel free to have Barry give you my contact info."

- MARX C. ORLAND PARK, IL

"After paying 2 attorneys to help me with a loan modification I was in the same position and facing foreclosure. I was leery to hire Colleagues in law due to my previous experience but needed help and felt that their A&DR program was unique and sounded more personalized to my situation. Foreclosure was stopped and my mortgage was restructured. The fact that I did not give up is something I recommend to all homeowners that are going through the same situation but my recommendation is to hire Colleagues in law the secret out there that homeowner's need. They put enough pressure on the lender that they worked with me. I'm now an Advocate for this company"

- MCDANIEL W. SACRAMENTO, CA

"Just wanted to say thank you very much for blowing my mind. 6 years ago my employer let me go and I was denied for Unemployment. I cannot express the gratitude I have for your staff! Though I originally wanted to work with someone here in New Jersey, I felt a better vibe with you guys so I took a chance. it is not easy when your lender denys you for help multiple times. It also does not make matters better when you pay an Attorney for help and nothing happens. I'm very blessed to have met you guys and cannot thank you enough for not only what you're doing but what you did for me."

- MEJIA, P. ~ TRENTON, NJ

"Colleagues in Law was extremely professional. I had lost my job after 15 solid years, was struggling to make the mortgage payments. They delayed the foreclosure long enough for me to find another job (8 months later) so that I could qualify for a loan modification and keep my home. After a couple months of delaying the foreclosure, they found the solution that would allow me to stay in the home indefinitely. Thank you to your staff"

- IVY, A. ~ OCEAN CITY, MD

THINK OUTSIDE THE BANK
forcing the lender to negotiate
BANKRUPTCY
GENERAL INFO
A bankruptcy is federal and in US bankruptcy court mandated by bankruptcy code, which is how to file bankruptcy and make the claim "I declare bankruptcy". Bankruptcy releases an individual from liability for certain types of debts. As part of the action, creditors can no longer attempt to collect the debt, and it's a way of giving a debtor a fresh financial start. For consumers, there are two primary types of bankruptcies: a chapter 7 and a chapter 13, which are named after sections in the bankruptcy code. A chapter 7 Bankruptcy allows a debtor to discharge all or a portion of his or her unsecured debts according to the bankruptcy rules set by the US bankruptcy court.
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CHAPTER 7
What is chapter 7 Bankruptcy code? What are the chapter 7 rules for filing bankruptcy? How to file chapter 7 bankruptcy? Well a Chapter 7 bankruptcy allows a debtor to discharge all or a portion of his or her unsecured debts. Under a Chapter 7 bankruptcy, a debtor can give secured property back to a creditor if the debtor can't afford it. If a debtor can afford to keep the property, he or she can keep it by reaffirming the debt.
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CHAPTER 13
What is chapter 13 Bankruptcy code? What are the chapter 13 rules for filing bankruptcy? How to file chapter 13 Bankruptcy? Well a Chapter 13 Bankruptcy is a type of reorganization, and is sometimes called a "Wage Earners Plan". It allows debtors to protect some assets and to catch up on missed payments through a reorganization plan. It also allows debtors to come up with a plan to pay back creditors over a period of time. The plan is submitted to a bankruptcy judge. If it's approved, a court-appointed trustee will administer the plan.
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PRESS RELEASES



CBS 5 AZ:

HOW COLLEAGUES IN LAW'S INNOVATIVE SERVICE IS SAVING HOMES!

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HEADQUARTERS:

601 E Charleston Blvd, suite 100
Las Vegas, NV 89104
Phone: 1-888-551-0223

ORANGE COUNTY OFFICE:

151 Kalmus Drive, Suite E120
Costa Mesa, CA 92626
Phone: 1-888-551-0223


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