Arreaza Law Firm, LLC.
320 West Oakland Park Blvd.
Wilton Manors, Fl 33311



Loan Modification

  • avoiding foreclosure
  • commerical loan modification
  • foreclosure assistance
  • foreclosure loans
  • foreclosure stop
  • home loan help
  • home loan programs
  • loan modification
  • loan modification attorneys
  • loan modification forms
  • loan modification help
  • loan modification law
  • loan modification letter
  • loansafe
  • loss mitigation
  • mortgage loan modification
  • prevent foreclosure

back to our practice areas


The solution to your loan modification begins here.

If you are visiting this website chances are that you or someone close to you is looking for helpful options in dealing with their high mortgage. You’ve come to the right place. Welcome to Our Law Firm. The Arreaza Law Firm has been successful in helping many home owners achieve modifications which allowed them to stay in there home with an affordable mortgage payment. In order to consider this you must sit with a responsible law firm and evaluate if you should even try to get the modification. You will required to go through your finances and determine what the banks will be looking for.

In order to begin this evaluation you will have to put together the following documentation:

At the Arreaza Law Firm we start after you put this information together. If the firm determines that you have a chance of getting a loan modification then it will be packaged and sent to the lender for consideration. This process can be lengthy and individuals involved must be patient. We can help you go through this process and negociate with the bank to achieve the best possible solution. Let our experience and knowledge work for you.

Loan Modification Law

Loan / Mortgage Modification services are those services we provide to consumers that are struggling with their mortgage loans. As a service, we help our clients prepare their paperwork, fill out the proper forms and submit their loan modification package to the lender or investor.

Afterwards, we follow-up with the lender or investor to make sure they received the package and that it gets assigned to a negotiatior as soon as possible. Once the lender or investor has assigned a negotiator, we begin the process of negotiating the terms of the mortgage and note such as the interest rate, repayment terms, removing of fees or deliquencies, etc.

Foreclosure Defense

Important Note: IF YOU HAVE BEEN SERVED WITH A SUMMONS AND COMPLAINT OF FORECLOSURE IN FLORIDA, YOU HAVE ONLY 20 DAYS IN WHICH TO RESPOND. IF THIS IS YOUR SITUATION, CALL US IMMEDIATELY! WE WILL TAKE IMMEDIATE ACTION AND FILE AN ANSWER RIGHT AWAY ON YOUR BEHALF. DO NOT HESITATE. YOU DO NOT HAVE ANY TIME TO WASTE

Our team of experienced professionals offer you powerful legal respresentation to protect your home and your rights under Florida Law. We will not allow the lender to take your home without a fight! Most lenders are hoping that you do what most people do when they are facing foreclosure - nothing. The truth is that an overwhelming majority of homes are foreclosed on and eventually sold on the courthouse steps at auction without any defense from the homeowner. Why? Because most homeowners do not know their legal rights under the law! Many lenders do not want you to know that you CAN defend your foreclosure and not allow them to take your home quickly. Lenders must prove more than the fact that you are behind on your mortgage. That is why you must make the lender prove their case to you!

Yes, there are defenses to foreclosure available to you! Forensic Loan Audits, Loan Modifications and Short Sales. When we review your case, we review everything. That includes letters, notes, correspondence, contracts, closing statements, HUD-1 settlement... everything. After our review we prepare and assert affirmative defenses that, if the lender cannot answer them, stop the foreclosure. In some cases, the available defenses may result in your ability to sue your lender, your mortgage broker, the title company, the real estate broker and others. As a result of fighting your foreclosure, you will be afforded valuable time - and in some cases, financial damages, too - to continue working towards a resolution to the foreclosure action.

ARE YOU A VICTIM OF PREDATORY LENDING??? What is predatory lending. anyway? "PREDATORY LENDING" is a term that describes the practice of a lender who deceptively convinces borrowers to agree to unfair and abusive loan terms or to lenders who systematically violate those terms in a way that makes it difficult for the borrower to defend against.

Although predatory lenders are most likely to target the less educated, racial minorites and the elderly, victims of predatory lending are represented across all demographics.

OUR WEAPON OF CHOICE So what is our weapon of choice to defend our clients against these lenders? Title I of the Consumer Credit Protection Act, 15 U.S.C. Sec. 1601, also known as the TRUTH IN LENDING ACT. This law is designed to protect consumers in credit transaction by requiring clear disclosure of key terms of the lending arrangements and all costs. This is the most abused law by lenders in the country while at the same time it is the most powerful protection a consumer can have.

Tell us about your case.