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Company Loan Type APR Est. Pmt.

MODIFICATION

HAS ANYONE HEARD OF FLASTER LAW FIRM IN FLORIDA TO HELP YOU MODIFY YOUR LOAN? THEY CHARGE A FEE TO BE YOUR LITAGATOR AND SAY THEY CAN CUT THE CRAP FROM DEALING WITH WELLS FARGO ON YOUR BEHALF AND GET THE JOB DONE.
I AM SKEPTICAL ABOUT MISSING HOUSE PAYMENTS WHILE IN "[url=http://www.mortgagefit.com/loss-mitigation.html]LOSS MITIGATION[/url]" AS i AM CURRENT.

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I haven't dealt with this firm personally. However, while I searched for the company in Google, I found their contact details to be:
Flaster Law Firm, LLC
900 Osceola Dr.,
Suite 222B, West Palm Beach,
Florida 33409

Rather than contacting a law firm to deal with your lender, it is always better to deal with the lender yourself. As far as I know, the law firms cannot charge upfront fees for modifying your mortgage. As you're current on your payments, it's better to deal with your lender directly.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I, too, was contacted by the Flaster Law Firm who stated they could assist with my a forced re-finacing program authorized by the Fed Gov.

I requested proof of satisfied clients, proof of license to practice law in my state, and magically I never heard from them again.

Please visit the US FHA web site before you spend any money--look for the IDENTIFY SCAMS topics.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Paid $1500 in March for assistance in negotiating with Bank of America. Still no modification agreement or anything. Im beginning to lose confidence. Holding my breath and hoping for a miracle soon! Havent heard from Flaster Law Firm in weeks since resubmitting documentation. That concerns me also.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Same issue--I gave them 1500 in March and still waiting--they say they are dealing with Bank of America for me--I now do not believe it.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have gotten a Modification through Flaster Law Firm. I received 2.9% interest through Bank of America. I lowered my payments by over $1000.00 a month. It did take a while and I was told that before the lenders did not have a time line on when they had to get to your loan and have it reviewed by but as of June 1, 2010 there is a new amendment to that law that states they have only 30 days because the governmnent was tired of hearing the complaints. So you are not alone! These banks are holding it up.

I found the best way to contact my Processor was via e-mail since they are always on the phone with these lenders. Good Luck! They will take care of you!

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I also recieved great service from the Flaster Law Firm. They took my mortgage from an interest only loan of $2,395 with an interest rate of 8.5% down to $1,873 P.I.T.I. with an interest rate of 4.5% for the life of the loan. I would have to say over all it took a little over 90dys like they initially stated but well worth the wait.

Satisfied Customer

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I was contacted by the Flaster Law Firm but I am a bit nervous working with a Firm not in my state of Wisconsin. We have tried for over a year to get a home modification with Chase and the sarcism, beligerent customer service people I can do without. It seems you do need outside help to get the job done. If anyone knows of a good source in the state of Wisconsin to assist in a home modification please share.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest,

Well, in my opinion, the lender is the best person to help you with a loan modification. If you take outside help in order to modify your home loan, there are chances that it may turn out to be a scam. In case, you're simply unable to convince the lender for a modification, consult an attorney who is associated with the Bar Association of your state and take his help in negotiating with the lender.

Take care.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Sara makes a good point in this last post, but I have been dealing with my lender for over a year and they seem to be overwhelmed with distressed homeowners and just don’t have the time to deal with me on a one to one basis. Since I hired the Flaster Law firm they have treated me like I was a part of their family and they have worked every avenue in my eyes as of right now to put me in the best possible modification that is available to me and my family. I would strongly suggest that in doing home loan modification that you get some sort of representation one way or another or you will just end up shuffled back under the pile of the million plus applicants for these programs. One thing about hiring a law firm to handle this for you if you don’t necessarily qualify for the Government Program there are other angles you can take with a firm that you may not even know about doing this on your own. I strongly suggest the Flaster Law Firm.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Please keep us posted on how the modification goes for you. I too am concerned that once they get the retention money you will not hear from them. I just received some paperwork from them via email that I will read over. Please let us know if you have new information.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

joelreyes001's picture
joelreyes001 | Joined: October 6, 2010 04:34 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

hi my name is joel im thinking of doing this home modification mortgagebut thing, are these people even real and have anyone done this befor and has it been any sucess to anyone at all.ty joel

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi joelreyes!

Welcome to forums!

Rather than going through a law firm, you should contact your lender directly and apply for a mortgage modification. The lender will be the best to help you in this regard and let you know whether or not you'll get mortgage modification.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have been involved with the Flaster Law Firm since August, 2010, it is now February, 2011, I have been shiffted to four different negotiators as it seems everyone leaves the firm, I paid $2,500 upfront fee and still have had no modification and no contact from the firm in over a month. When I informed them that I had gotten an intent to forclose letter from Indymac Bank the negotiator now assigned to my file said he would call the lender and get back to me the next day well I have not received any phone call, he also informed me that no one involved with their firm has lost their home, I find this very hard to believe as no one ever follows up and when you call them you are informed that you have been assigned a new negotiator that knows nothing about your case.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest,

You should once again contact your lender and re-apply for modification and request the lender to stop the foreclosure proceedings. May be this will help you in saving your property.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I to started working with Flaster in October 2010, and paid the $2500.00 fee. Bank of America has had the request since November and sat on it for over 60 days. I to have dealt with multiple para-legals and the latest seems to be working against me rather than for me with BOA. My wife and I are beginning to get suspicious and frustrated. As to dealing directly with BOA, NO WAY! They are one fo the causes for the problem in the first place. THe lender is not your friend.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I gave them 3000.00 back in sept. and still have not gotten a modification and lately can't even get a hold of anyone...I am not happy

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

This company has been working on my case since Sept. and still no results. they say its because Bankof America is so backed up and still I keep getting reasured that everyone with them gets a modification. I paid them 3000.00 and still nothing and as of late, for the past 2 weeks cannot even get a hold of anyone....

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

Welcome to forums!

You're in a tough situation. It would have been better if you could have contacted your lender directly and applied for a loan modification. You won't have lost your hard earned money then. In most cases, it has been found that the loan modification company may be a scam.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

jumbohome07's picture
jumbohome07 | Joined: April 14, 2011 06:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Well, I don’t know about FLASTER LAW FIRM. But wanted to know!

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi jumbohome,

Flaster Law Firm is located in West Palm Beach, Florida. It is a company which is not accredited by the BBB.

Thanks

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The only people I know who would say deal directly with Bank of America either work for a mortgage company or have no clue as to how much BOA abuses the system. The lender is out for one thing and one thing only and it is not your best interest.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks for sharing your opinion in the MortgageFit forums!

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Abarmin, without question you're better off dealing directly with BofA rather than some of these shyster firms that have been ripping off the public of thousands of their dollars that could have been used in reducing their debt.

I understand your concern, but let's be sure we advocate for a bit more cooperation from both sides of the equation - lender and borrower - and let's make sure we come out against all these scammers who'll take our hard-earned money and provide nothing whatsoever.

If a person is seeking a third-party for assistance in obtaining a modification plan, they ought to be looking for FREE help, via a HUD-approved counseling agency, NACA, or any of the new organizations and plans that the various states have instituted as a result of our mortgage crisis.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

No way should you deal with BOA yourself, especially if you do not know their steps in the process to a T. I have done a LOT of research on the program and how it is suppose to work and how BOA has helped others with mod's. BOA are the lowest on the % of banks helping their customers with these loans. It's best to get outside help such as a lawyer!

My husband and I contacted BOA ourselves and trust me, they are in no way in any hurry to help us customers to help us modify our homes. They are under staffed, under trained and do not care about you and your homes. It is always smarter to hirer a lawyer to deal with all this crap for you on your behalf as they know the program and laws....especially the legal and illegal issues to look for in your loan modification paper work from your lenders.

My husband and I also hired Flaster Law firm back in Oct 2010 spending 2500.00. BOA has FedExed us paper work after paper work because they think we are stupid and would just sign and return the doc's back without consulting our paralegal first. These letter would state that they haven't received certain paper work and etc...which I know they have. My husband and I too have gone through 3 different paralegals/negotiators as well through Flaster but then finally our file was assigned back to the original person we spoke with in the beginning of the process and he has been up on our file and etc. ever since. Of course there are days and weeks we don't hear from them but they do eventually call when there are things needed that the lender is wanting....so you cannot say they are blowing you off...they are just busy.

We have an FHA loan which is also scary since we started the mod. process in Oct 2010 and it is now the middle of May 2011. We need this mod. to be done and accepted before our 12 month period with an FHA loan. So I do hope that Flaster Law Firm lives up to what they say about getting just about everyone modifications on their homes.

Just stay positive everyone and let them do the work for you!

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I won't bicker with you, rlseac.

Paying $2500 to a law firm that promises to perform for you isn't something I'd ever suggest doing. There are literally thousands of non-profit agencies, etc. that will handle this specific task on your behalf for free, or for a truly nominal fee. You didn't mention the timely word "retainer" for the law firm, but stated it as a fee.

I suggest, based on what we've seen over and over in this industry, that your $2500 has gone *poof* like so many others' funds.

BofA has a horrible reputation in the modification effort. I read earlier today that our Connecticut Attorney General is on their tail (has been already) again for their lack of help to distressed homeowners.

Suggesting that someone get an agent to work with in an effort to obtain a modification is clearly a pretty doggone good idea. However, there are too many scam artists out there; HUD, on the other hand, has a list of thousands of reputable firms that are beneficial to distressed homeowners and will work with and for you in attempting to resolve a situation.

Paying someone upfront is bad business, in my view. I hope those who contemplate doing so will think again and turn around instead.

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unab's picture
unab | Joined: May 25, 2011 08:17 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi everyone..

Is all the information that is said about flaster law firm are true ?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Well, unab...we've seen favorable and unfavorable information, haven't we?

So, for all of it to be true, that would be quite contradictory, n'est-ce pas?

I don't believe most claims made by these outfits; but that's not to say that they don't have some success once in a while, even if it were only by accident.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:53 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Here is a copy of my letter to the law firm. Take it for what it is worth.

I am writing this letter to you to address my concerns and deep disappointment in the way our "modification" was handled. When we initially contacted your office last October, we were assured that everything was in order and we would no doubt qualify for a modification. Actually, the person we spoke to said we would get our money back if it didn't go through. I feel that this was said because he was certain we would qualify. So in order to pay your firm, we skipped two months of payments. Then we began paying the amount we thought would be the new modification amount. Well, this actually put us 3 1/2 months behind in payments. At this point we received a foreclosure letter.

When I contacted your office, I was assured there was nothing to worry about. I even asked if I should continue to make payments. I was told NO, keep them and wait until the modification went through. Well, months went by and nothing from Bank of America. Then your office informed me it was Bank of America who dropped the ball. Letters kept coming from the bank and their attorney. I was told all along to NOT contact anyone, that was your firm's job. So I didn't.

Two sales were postponed, then the third one went through. If I had been told that the sale was not being postponed, I would have filed an emergency bankruptcy to stop it. However, repeated attempts to contact Mr. Lewis prior to the sale were not successful. I finally heard from him a day or so after the scheduled sale. He informed me that he was sorry, but the house was sold this time. But I kept getting the same old answer, it is in the works. Just be patient.

After getting an eviction notice, I called Bank of America and was told that we didn't own the home anymore and there was no record of a modification in the works. Mr. Lewis informed me that it was because it was "all behind the scenes" with the president. It could all be rescinded and don't worry. After more attempts to call him and email him, he finally called me. While talking he gets out our file and starts going through it (I believe this was the first time) and starts calculating and says he just realized that we probably will NOT qualify for the modification this year, because our income has gone down. He tells me to go ahead and find a place to rent and move.

When we contacted your office, we were not behind in our payments nor had we ever been late. Now we no longer have a home. We placed our confidence in your firm and believed that everything would be fine once the modification went through. To sum it up, I am requesting that you return the fee of $3,000 we paid your firm, since you did not provide the services promised. We are at our wits end and so very distraught over this whole situation.

I look forward to hearing from you.

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sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi labouve,

I can understand your situation. Most of these loan modification companies turn out to scams. Thus, it is always suggested that the borrowers should contact their mortgage lenders and directly apply for a loan modification. If you would have done that, then you may have saved the property.

I wish you good luck and hope you get back the fee that you've paid them.

Take care.

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I'm afraid that's hoping against hope, Sara. These shysters don't give back their fees - they couch the terminology in such a way as to shield the fee from loss once they're found out.

You're so right - there are tons of scammers out there who'll take people's hard-earned cash with no guilt whatsoever.

Buyer beware - borrower beware - public beware!

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hey Sara, you are right. I did find out from the Attorney General that it is against the law to charge a free before the service is completed. We were too trusting. But we do feel the God has a plan and we have moved on. It could be a lot worse. We did find a nice rental and we have each other. Thanks for the encouraging words.

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sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

You're welcome, labouve! :-) Have a great day ahead!!

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sabrinatoss's picture
sabrinatoss | Joined: January 16, 2011 09:00 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I haven't heard about them yet. Try having a little research on their background as well as what are the remarks of their past clients about them. You can't entrust your money that easy you know.

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sabrinatoss's picture
sabrinatoss | Joined: January 16, 2011 09:00 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Unfortunately, I haven't heard about them however, I am interested on solving your problems with them if you give more details about it.

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sabrinatoss's picture
sabrinatoss | Joined: January 16, 2011 09:00 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I haven't heard anything about FLASTER LAW FIRM IN FLORIDA however, you can try searching about what they do on the internet. When you find their site make sure that you read the testimonials of their past clients to make sure that they are really what you are looking for.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

When it became clear to that directly working with my lender would yield no results (in fact only costs more money and frustration) we decided after nine months trying to do things straight with our lender, to instead try the Flaster Lawfirm.
I wish I could say that they were wonderful, after all, we kept the house and got a very good modification on our first mortgage. But in the process there were Months that communication was decent, and then several Months that would pass by without hearing anything.
We were also told that after the first modification was through, Flaster would start the work on modifying the 2nd mortgage. I assume they have started, but it has been 3 Months now (September 2, 2011) since I heard anything from them. When I call, I get a voice-message.
In short: working with them I absolutely got the main prize that I wanted, where on my own I would have failed. But their communication is very weak.

I will provide an update on this site once I learn more about the 2nd mortgage.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I started wirking with Flaster in September 2010. We signed a contract and paid 3000 up front with the agreement that if they were not successful in securing a loan modification we would recieve a refund of 2500. They told me to stop paying my mortgage because banks will not work with people current on their mortgage. It has been over a year. We have been through four different contacts. I have left 42 mewssages regarding a certified notice my lendor has sent indicating intent to start forclosure procedings. They have not returned a single phone call. I have lodged complaints with both the Florida Bar Association and the Better Business Bureau. At this point, unless the Florida Bar Association is successful in making them refun our money we are out 3000 and still have no Loan Modification and are looking at losing our house. DO NOT USE THIS FIRM!!!!! They are not reputable and they will not be successful. They will take your money and disappear.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Taura,

Thank you for sharing your opinion and experience about Flaster in the forums. This will help a lot of people to know the reality and it will be easier for them to decide whether or not they will go for the same company in the future.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

3 months ago I posted that Flaster did help us with the first mortgage, but nothing happened on the 2nd.
Well, nothing has happened since then, and voice messages left, or e-mails are never answered. Not good.

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Rene!

Welcome to forums!

Thanks for sharing your opinion about Flaster with the community members.

Sussane

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