9/9/2010 1:43 PM (PST)

Here's the link to their BBB report for you to view the companies background and rating:
http://www.bbb.org/south-east-florida/business-reviews/attorneys/american-residential-law-group-in-fort-lauderdale-fl-92017052

There have been other threads about this company, which you can access by searching for the tag American Residential Law Group on the Ask the Community front page. Your profile does not indicate where you live, but if you don't live in Florida it doesn't make much sense to do business with a company out of state. Also, you should know that a lawyer isn't going to "force" a modification on the lender. What they'll do is prepare an application and submit it to the lender. Note that you didn't speak with a lawyer when you called the firm did you? You were probably speaking to a lay person who may have been working on commission. Doesn't it seem reasonable that if you hire a lawyer, you'd first speak with him or her?

Why pay a lot of money for this service? You'll get exactly the same service from a lawyer that you'll get from dealing with a non-profit HUD approved housing counseling service, so why not go for the option that will give you a free service?

You can get a referal by calling:888-995-4673.

also visit: www.preventloanscams.org

9/12/2010 1:27 PM (PST)

Work with your mortgage company directly. Most modifications company's are scams. dont waste your money.

9/17/2010 3:10 PM (PST)

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law. HUD approved housing counseling agencies are exempt from this law.

Non-profit HUD approved housing counseling service offers free services. You can get a referal by calling:888-995-4673.

Also, visit: www.preventloanscams.org

http://los-angeles.bbb.org/Business-Report/John-Towers-Financial-Services-100097519

10/5/2010 11:11 AM (PST)

This company has a B rating and no complaints/reviews.

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law. HUD approved housing counseling agencies are exempt from this law.


Have you tried calling a HUD-approved nonprofit housing counselor? You can speak with a certified counselor by calling 888-995-4673. They can evaluate your housing options, open lines of communication with mortgage lenders, negotiate a loan modification, and help you with household budgeting, all at no cost.

Also, check out preventloanscams.org