CULIK LAW concentrates on Foreclosure Defense and Loan Modification in Massachusetts as part of our Consumer Law Practice.
In Massachusetts, your rights are best protected for foreclosure defense and mortgage loan modifications with a Massachusetts lawyer.
Begin today, call (978) 841-9570 for a no cost case evaluation or contact CULIK LAW using the form below.
Only an attorney licensed to practice law in Massachusetts is allowed to represent you in court against your mortgage company. Companies or lawyers from other states can’t threaten legal action against your mortgage company to help you bargain for a loan modification. With a Massachusetts-licensed lawyer you can get help with your mortgage issues like stopping foreclosure and getting a mortgage loan modification.
We work to get you a fair loan modification with fair payments. Mortgage companies know that a lawyer can hold them accountable.
Aggressive action is needed to bargain with the mortgage companies (also called “mortgage servicers”). By examining your mortgage loan documents for errors and violations, looking into the circumstances of the origination for predatory lending practices, and investigating your mortgage servicer’s actions for potentially unfair and deceptive trade practices, CULIK LAW gets legal leverage to get your mortgage problems resolved, stop foreclosure, and get loan modifications for Massachusetts homeowners.
Some of the consumer protection laws that CULIK LAW uses as leverage are: the Massachusetts Consumer Protection Act (Mass. Gen. Laws c. 93A), the Truth in Lending Act (TILA, 15 U.S.C. 1601 et seq.), the Real Estate Settlement Procedures Act (RESPA, 12 U.S.C. 2601 et seq.), the Massachusetts Consumer Credit Cost Disclosure Act (MCCCDA, Mass. Gen. Laws c. 140D), the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. 1692 et seq.), the Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681 et seq.), and the Massachusetts Anti-Predatory Lending Act (Mass. Gen. Laws c. 183C).
We take pride in the fact that we never represent mortgage companies. With our knowledge of Massachusetts consumer-protection laws, CULIK LAW aggressively fights back on behalf of our clients against unfair and deceptive practices that violate their rights, and gets them affordable loan modifications.
Our services include:
- Loan modification and mortgage workouts for mortgage loans.
- Foreclosure defense.
- Examination of mortgage documents for Truth in Lending Act, Real Estate Settlement Procedures Act, and Chapter 93A violations.
- Lawsuits against mortgage servicers and mortgage companies.
- Assistance with the Home Affordable Modification Program.
- Defense against debt collectors.
- Consumer law.
Here are just some of the mortgage servicers CULIK LAW can help you with: American Home Mortgage Servicing, Inc. (AHMSI), America’s Servicing Company (ASC), Bank of America, BAC Home Loans Servicing (formerly Countrywide), Carrington, CCO/Citizens Mortgage, CitiMortgage, Fannie Mae, Freddie Mac, GMAC Mortgage, Green Tree, Homeq, Litton Loans, National City, Ocwen, PNC, Wachovia, Wells Fargo, and others… even local banks.
