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need advice to save my home
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6/16/2010 8:08 PM (PST)

I need to know more about this firm in Glendale, California called janian and associates they have my loan modification case for 9 months now but it is still pending. it is difficult to get any updates from them. In the meantime I am in active foreclosure by my Lender. They also committed to take care of any legal action by my Lender if required but now back out saying they cannot do this outside California. Should I continue with them or should I move on with another company? I am not in California State. If you recommend that I leave them, can you recommend a good and honest result oriented Company on the East coast with whom I could work for my loan modification? I don't know of any Company and am scared of falling into another trap. I do not wish to lose my home. thanks kate

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6/18/2010 6:57 AM (PST)

There are many options available for borrowers. Foreclosure prevention counseling to determine the best option to keep your home, credit and debt counseling to address high credit card expenses as well as full budget review and recomendations with resources.

You can give Springboard Non Profit Consumer Credit Counseling a call and speak with a HUD certified counselor for Foreclosure Prevention counseling as well as credit and debt counseling. Springboard is part of the Homeowners Hope Hotline.
You do not pay for this counseling service.

Call 800-449-9392. Visit us at HTTP://www.Homeownership.org or HTTP://www.credit.org

There are many programs available for families to keep their home, Springboard will partnership with you to get an understanding of your current situation and gather information about your living situation. Gathering this information will help in finding solutions and resources that can benefit you and help with getting a resolution for you with your lender.

Ultimately, the goal is to help you create a realistic financial situation where you will be able to maintain your home long term. If appropriate, Springbord will also facilitate a 3 way call with you and your lender to discuss the loss mitigation options that may be available for you. Have your loan information handy as well as your basic income and general expenses. If you have high credit card debt, you may benefit from credit and debt counseling as well.

I would like to stress again, you do not pay for this counseling service and no company can guarantee a modification.


Effective October 11th, 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 services must be fully completed before any charges can be imposed. It is also illegal to divide advance fees or services into components for the purpose of avoiding this law.

State regulators, the FTC, and other federal regulators recommend that homeowners should never pay any up-front fees and be on the lookout for high-pressure sales tactics. 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 and since I work for one of these, I of course recommend that homeowners start their loan mod journey by calling us first. Our nat’l hotline is (800) 449-9392

Call 800-449-9392 and let your counselor know you heard about them on Trustlink.

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7/1/2010 12:24 PM (PST)

Dear customer, Please understand that BBB is not a government agency.It's private business entity with it's own business plan. Check State Bar of California. We will try to do anything possibly to restructure your loan and put you in a better position. In case if we won't be able to succeed you are going to get a refund depending no circumstances. Dear BBB Associates, Please inform our customer that we resolved all issues. We are the Law Firm and trying to serve and help as many customers as we possibly. Respectfully, Dan Miller dan@janianandassociates.com 877-369-4529 x 115

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