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We are trying to get our home loan modified,I was laid off ,unemployed ,goingbtobschool now,unemployed runs out on Tuesday.So,husband has spoke to an Aatorney in California that we received a brochure in the mail for loan modification help.We have had our payments jump on us due to Escrow/property taxes.our mortgage is $1850 husband take home $ $2600.We are broke until I get work we've fallen behind on mortgage now by 3 months.We need help but this Attorney wants us to pay $3995,with 1st payment due on 1/23.but we have not seen anything in writing nothing has been sent to us from Wells Fargo.im not feeling comfortable about this my husband signed this I did not.he didn't date it,so were not sure it's binding.If we had an extra $1500 to pay him the next 2 pay periods we would but this is going to leave us with noway to pay for utilities,medical,other bils,or even food,gas,Does it sound legitimate to pay $ upfront to a Attorney that's in another state.imthink we should of found a Hamp Attorney up here in Kitsap county,Washington state.our Mortgage company would modify but we've done paperwork 2 times they are constantly having us change things and the program they want to do would cause us to keep our high mortgage after I return to work full time and the months they modify they want to tack that onto our original loan amount.Its totally not feasible,this is why we're seeking legal help.Please let us know if this process with a out of state Attorney sounds legal? We have seen nothing except the paper work husband was sent. Hope this makes sense.we just need to get our payments to a affordable payment and get our late fees waived or added to end of mortgage to be able to get back on our feet.Our home has depreciated in the 6 yrs we've had it by 50,000 but our payments went up $150. We'd appreciate any advise or suggestions.im very worried,scared about going this route with a firm we haven't even received anything from in writing and yet they want $ this week.weve seen no Gurantees our mortgage payments will get lowered ,nothing that gives us security in this descion.$3995 is 3 of my husbands pay checks,he tried to explain this to the Attorney.Thank you for your time and any input you can give to us in advance.Would sure appreciate it.
Asked in WA May 19, 2022
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