CAPITAL LAW CENTER, Robert W. Carlson & Associates, P.A. is recognized by non-profit
Homeowner Advocates as one of the most trusted firms in the country for helping
consumers through their Foreclosure Defense, Loan Modification, Short Sale, Bankruptcy,
or Default Strategy process. With almost five years of foreclosure prevention related
experience and thousands of successful modifications settled through negotiation,
you can feel confident that our experienced case managers, paralegals, analysts,
former underwriters, and attorneys will work diligently on your case until resolution.
Our commitment is to provide you with honest and ethical advice, to help you make
an informed decision regarding your loan modification needs. Our ethical standards
prohibit us from accepting clients unless they have a demonstrable financial hardship,
have capacity to make a modified payment, and we believe you meet the Net Present
Value criteria required for to have your loan restructured.
The loan modification process can be stressful, as the result of any negotiation
is uncertain. Anyone, including attorneys, who tell you otherwise or guarantees
specific results, should be scrutinized carefully. To help us determine whether
we believe you qualify for modification, we first gather your financial information
and conduct a free financial analysis and initial consultation. Based on this preliminary
information, we determine whether it is likely you will eligible for a loan modification
from a financial perspective or have met the prerequisites of any government programs
for assistance. We base our decision from our extensive experience in working with
the various government and non-government programs participated by the various Lenders
and Servicers. If we believe you do not have a case for modification, we will tell
you why and what you would need to do to "fit" within the guidelines.
Despite the availability of government programs such as Making Home Affordable (HAMP),
or the Trouble Asset Relief Program (TARP), your lender believes that a loan modification
is a "hardship program", not a "right". As such, we are seeking voluntary concessions
from your lender to handle your case at the lowest level possible. The decision
to provide you financial relief rests solely in the hands of your lender, and is
often predicated on the outcome of a Net Present Value analysis. Properly preparing
your documents is a critical component for success during the arbitration process.
CAPITAL LAW CENTER, Robert W. Carlson & Associates, P.A. provides the experience
and expertise to navigate this process to significantly manage your case for success.
During his 30 years as a licensed attorney, Mr. Robert W. Carlson has negotiated
and resolved disputes on behalf of consumers and businesses alike. Mr. Carlson,
along with our other fine attorneys at our law firm, personally perform work on
every loan modification case and prepare most every document needed to be filed
for success. Our attorneys are happy to meet or speak with you at any time either
before or during the course of your case at our offices. Please contact CAPITAL
LAW CENTER, Robert W. Carlson & Associates, P.A. to schedule an appointment and/or
free consultation.
We do not offer “Forensic Predatory Loan audits". Please be wary of anyone offering
you these, specifically if not from a law office. The statute of limitations on
Predatory Lending cases expire within just a few years after the loan was originated,
except in rare circumstances. However, opportunities may exist to litigate and challenge
the bank regarding abuses in the loan modification process. Notably, CAPITAL LAW
CENTER, Robert W. Carlson & Associates, P.A. offers the official R.E.S.T. Report.
The R.E.S.T. report is run on a software platform developed for lenders and servicers
to determine the Net Present Value (NPV) of your loan, a critical component in achieving
a loan modification. NPV determines whether your lender makes more money modifying
your loan, or foreclosing on your home, and your lender will typically do what is
in their best financial interest. CAPITAL LAW CENTER Robert W. Carlson & Associates, P.A. is one of only a handful of firms in the
country who have access to this lender and servicer software platform. There are
also numerous internal modification programs which vary by lender if you do not
qualify for HAMP or TARP.
Our experience and understanding guides us through the lender barriers to success.
Moreover, you are being represented by attorneys who are bound by a high level of
ethics and professional responsibility to our clients. An attorney is going to get
a lender’s attention to modify the mortgage loan over the homeowner directly. Almost
all of our clients have tried and failed on their own to negotiate acceptable loan
modification terms with their lender. In our experience, a majority of these clients
failed because they do not have the underwriting or legal background to adequately
analyze and negotiate their case to settlement outside of court. Despite these previous
failures by our clients, CAPITAL LAW CENTER, Robert W. Carlson & Associates, P.A.
is usually able to achieve a modification once we rework the case. We have worked
with all of the major lenders and servicers and understand how to navigate the often
complex and frustrating path to a modification. No two cases are the same. As such,
our law firm cannot guarantee a specific outcome for any case. Obtaining a concession
from a lender requires an experienced eye and an understanding of the qualifying
conditions of every program as well as the elements in each of our client’s situation.
Our attorneys and legal staff will work directly with the Legal Department, Executive
Resolution, 3rd party Attorneys, or the Loss Mitigation Departments of your lender.
Act with confidence as you are dealing with highly recommended and reputable attorneys
who are ethically bound to fight for your rights and who will protect your best
interests. We may be able to help you prevent foreclosure, prevent Bankruptcy, settle
to lower your interest rate, and lower your payments. Be sure to review some of
our previous results and see how people benefited by taking a leap of faith and
gave us a chance! CAPITAL LAW CENTER, Robert W. Carlson & Associates, P.A. is fully
compliant with every State and Federal Law, including but not limited to the Florida
Bar Association, as well as the FTC Final Rule regarding MARS service providers.
We welcome all inquiries regarding our legal compliance.
Call today for a FREE consultation
at 1-866-533-2533 and help us, help you!
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