Messer Law Group information‏

I'd like for you to know what sets us apart as it is a significant difference.

We are a law firm, therefore we are regulated by the Arizona State Bar (Steve Messer, attorney at law, license #019542). Our attorney would not be able to keep any money from the client should he be unable to perform.

Loan modification companies are popping up everywhere, and since this is a new service, it is largely unregulated. I've seen many of these companies charge the client anywhere from $800 to $3,500, and I've seen so many ways they scam them out of money. For example they will charge the client whatever their fee is, then call the client a month later letting them know the lender would not work with them and the fee is not refundable. Unless the client is getting legal representation, loan modification is either not possible, or the results are insignificant. This is because the only department in the bank a person can get in touch with and negotiate with, unless they are an attorney, is the loss mitigation department.

The loss mitigation department has no decision-making authority whatsoever. They are, in essence, bill collectors. Their job is to get as much money from the customers as possible. They are told how much they are allowed to offer borrowers should they be unable to get any money out of them. This offer is not to the borrower's benefit (ie: one of my clients with an ARM loan currently at 7.1% was offered a fixed rate of 7.4%). These "negotiating companies" basically ask borrowers to write a hardship letter, then they go to loss mitigation and play a game of "mother-may-I" and try to get this offer out of them.

They even tell the borrower they MUST be late on their payments before they will even work with them. This is because that is a loss mitigation requirement. Steve Messer goes straight to the bank's legal department and negotiates with their attorneys. He will create leverage in many different forms and basically force the bank to lower the borrower's terms significantly. Our clients do not have to be late in order to get this done.

Here is an overview of our process:

Who qualifies to get the terms on their mortgage reduced permanently?

· anyone who owes more than their home is worth
· who would like lower monthly payments
· has a high interest rate
· has an unfixed interest rate (Adjustable Rate Mortgage or Negative Amortization Loan)
· is unable to or forseeably may be unable to make their mortgage payments

*borrower does NOT have to be late on mortgage payments

According to Housing Bill 3221 which Congress passed in July, 2008, lenders MUST work with their customers to lower the terms of their mortgage, as well as give them up to 80% of the potential loss on their home. The banks are not complying or willing to lower their customers' terms by a significant amount unless they are forced to. We are here to enforce HR 3221.

Here is our aggressive and successful method to force the bank to follow the law and dramatically reduce monthly payments: 1) send the lender a Qualified Written Request and letter of representation

· this will notify the bank our client is now being represented by an attorney
· the bank is no longer allowed to contact our client (if they are behind on their payments, this stops the harassing bill collectors' phone calls)
· the bank is no longer allowed to contact the credit bureaus to report our clients late on their credit
· we can stop the bank from proceeding with the foreclosure process

2) We subpoena original loan documents and do a full forensic audit to search for
· federal violations, each of which is a mandatory minimum $2000 fine for the bank (90% of loans have an average of 10 or more violations)
· evidence of predatory lending (there are currently thousands of class action lawsuits against
lenders for this)
· human error/mathematical errors
*we also use other forms of leverage such as the law and hardship

3) We demand a low, fixed interest rate and principle reduction.


The results are on a case-by-case basis. Here is what we TYPICALLY get:

- first mortgage: fixed interest rate between 4-5% for the remainder of the loan
- second mortgage: $.5-$.10 on the dollar payoff OR if client does not have the funds available, a 1-2% interest rate for the remainder of the loan

We guarantee our clients they will SAVE A MINIMUM OF 5 TIMES OUR FEE or we will give you a FULL refund. Please forward this information to anyone you know who may be in risk of losing their home. This would truly be a blessing for them.

For anyone who is not in risk of foreclosure, but is simply upside down on their mortgage, it is a great opportunity that won't be around forever.

Sincerely,

Sabrina Collette, Paralegal
Messer Law Group Direct: (800) 584-1498 ext 101
Email: MortgageRescue.Sabrina@live.com