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Hilsz & Associates                 1-415-777-8600

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To learn more about all defense techniques from Rod Ciferri esq and other leading law firms in the lender litigation industry.

Please follow the steps below to see if our full service loss mitigation program is right for your situation.

Getting Started

First complete the short application on our site (click here). Then one of our representatives will call you with a no-obligation consultation. Once we determine that you qualify for a loss mitigation solution, you may then be asked to complete a more detailed application. Simply call the number on the website or fill out the form and one of our loss mitigation specialists will contact you within 24 hours.  

During the initial consultation your information will be entered in our Loss Mitigation Solution & Evaluation system.  Based on the information for your specific situation, utilizing a combination of federal and lender guidelines, it will determine if you fit within the parameters and are a candidate for one of the loss mitigation programs available as well as the most likely outcome of your situation. During this initial consultation, you will be asked a variety of questions, please answer them truthfully to the best of your knowledge as this will enhance our ability to partner with you to provide you a solution tailored to your needs. 

Once our legal team and the loss mitigation department determine that you fit within the guidelines we will issue you an intake Packet. Included within the packet are the following:

LENDER REPRESENTATION CHECKLIST (Review our Online Package in the Required Documents Area) 

– Attorney Retainer Agreement

– Personal Information Worksheet

– Mortgage Information Worksheet

– Signature Authorization Form

– Financial Statement

– Compliance Disclosure

– Client Specific Documentation and the Complete package.  

Our Turn

Once we have all your paperwork in hand and arranged, if you have retained our firm for our legal document assistance, we will fill out forms based on your guidance for you to submit a package to your lender for you to begin the negotiation process towards a successful outcome. During this time, you will be contacted by our quality control team confirming that you do in fact desire a loss mitigation solution as well as answer any questions you may have. A welcome package will be sent giving you a detailed outline of what to expect throughout the process.

The process generally takes between 90-180 days to complete, though you may often achieve results in less than 90 days. Once an offer is received, we recommend an attorney review it prior to executing them. Once you sign papers and return them to the lender you just continue making payments as agreed.


Disclaimer: Under no circumstances does Loss Mitigations LLC guarantee any specific results within the loss mitigation and / or litigation process.   Lender guidelines change frequently causing the loss mitigation process to be complicated and the outcome of the suit is based on many factors.  While Loss Mitigations LLC and / or The Law Firm cannot guarantee the reduction of principle balances on your mortgage, a specific interest rate reduction on your loans, or any additional specific results, Loss Mitigations LLC will only guarantee that our paralegal firm will work diligently under the supervision of the law firm to provide you with a beneficial loss mitigation solution. 

Loss Mitigations LLC understands that the #1 priority is making your monthly mortgage payments more affordable.  In the event your lender or servicing company is unwilling to offer a settlement of your loan terms.

If you think obtaining a loss mitigation solution is difficult and stressful, you are half-right. It can be if you're not a professional. We are bonded, registered and insured with our knowledge, we navigate the loss mitigation mountain with your lender to achieve an affordable new monthly payment. You don't have to worry about what to say, who to call, how to negotiate, we will educate you how to perform each step. We have successfully settled many difficult scenarios.

Frequently Asked Questions

                                                                                 FREQUENTLY ASKED QUESTIONS AND ANSWERS

Q: What are your options? 

A: If you are having trouble and are behind on your payments, you have several different options to fix your problem.

– Reinstatement Plan - Your lender will reinstate the original terms of your loan once you are caught up.

We have frequently seen lenders forgive delinquent payments or re-apply them to the back of the loan term to bring you current again.

–  Repayment Plan - Your lender will tack on an extra amount onto each payment for a set period of time to make up the delinquent payments.

–  Settlement  - A negotiation resulting in the restructure of your current loan terms without refinancing.

–  Loan Refinance - Refinancing may be an option if you have the MORE THAN 20% equity and credit FICO OVER 700 required.

–  Forbearance Agreement - This is an agreement to stop foreclosure proceedings as long as you make a predetermined payment.  Some lenders will offer a permanent modification to a lower payment after a forbearance is completed.  Forbearance usually last 3 months.

– Short Sale - You sell your property for less than you owe but your lender accepts it as payment in full.

– Pre-Foreclosure Sale - You agree to sell your property before foreclosure takes place (requires equity).

– Deed-in-Lieu of Foreclosure - You agree to sign your property back over to your bank and walk away. To compensate you for keeping the property in good condition, the lender will sometimes offer "cash-for-keys".

– Bankruptcy - Based on your situation, bankruptcy may be the only option.  Chapter 7 generally wipes away all your debt but forced you to walk away from your property.  While Chapter 13 allows you to keep making payments on your house, and if the trustee and court allow it, can result in a modified payment.

Based on your individual circumstances one or more of these solutions provide far better resolutions to your mortgage challenges.  Ultimately losing your home to foreclosure is both a devastating emotional process as well as financial.  Our loss mitigations service provide guidance through this challenging time with resolutions that significantly enhance your financial challenges.  For a more complete description of the various Loss Mitigation services please contact our office at 1-877-773-4786 x 801.  

Q: What is a Lender Dispute Representation also known by many as a " Settlement " and how can I benefit?

A: Settlements are one of the potential outcomes during the litigation pre trial phase of a loss mitigation process. A settlement is a temporary or permanent change in one or more of the terms of a mortgagor's loan, it allows the loan to be reinstated, and results in a payment the mortgagor can afford. A modification is made to an existing loan by a lender in response to a borrower's long-term inability to repay the loan. Settlement typically involve a reduction in the interest rate on the loan, an extension of the length of the term of the loan, a different type of loan or any combination of the three. A lender may be open to modifying a loan because the cost of doing so is less than the cost of default.

Q: How do I know if I qualify for Lender Dispute Representation?

A: The major criteria lenders look for to approve or settle a mortgage dispute is to show proof of your ability to afford the new loan payment now and in the future. Based on a current hardship you may be experiencing, our staff will work with your attorney to demand a settlement that meets your ability to pay thus reducing the liability and threat of further loses by the lender.

Q: What is an acceptable hardship situation?

A: WHILE A HARDSHIP IS NOT REQUIRED FOR LITIGATION; Having one doesn't hurt; lenders generally consider the following to be potential hardships (see attached list) as acceptable reasons to consider a settlement. A hardship included in your law suit submission package will help the lender understand your current circumstances and intentions.

– Illness of the Borrower

– Illness of a Borrowers Family Member

– Curtailment of Income

– Loss of Job

– Abandonment of Property

– Property Problem

– Inability to Sell the Property

– Inability to Rent the Property

– Mortgage Servicing Problems

– Transfer of Ownership Delays

– Reduced Income

– Failed Business

– Job Relocation

– Death of the Borrower

– Death of Spouse or Co-Borrower

– Death in the Family

– Incarceration

– Divorce

– Marital Separation

-- Military Duty

– Medical Bills

– Damage to Property (natural disaster or unnatural)

Q: Can I still ask for a settlement even if I am not currently delinquent?

A: Yes. Most lenders will accept client applications from homeowners who foresee a problem meeting their home loan payments due to interest rate resets or financial hardship (this is called imminent default).  The Federal government is urging lenders to proactively reach out to homeowners who face potential default.  You simply need to demonstrate the loan terms have become or will become unaffordable.

Q: Can I obtain a settlement myself?

A: Yes. You can contact your lender or your bank and see about going through the process. But, keep in mind that your bank has their best interest at heart. They neither have the time nor the inclination to hear about what troubles you might be experiencing.

What usually ends up happening is that the bank will negotiate an agreement that helps them but still leaves you with only a temporary solution. This also takes many hours (average over 50 total hours and 12 months of daily efforts with a less than a 10 % success rate) of communication and back and forth information exchanges in order to accomplish. It is not easy to complete on your own and the outcome may not be favorable for you. 

When you contact the bank they will ask for a "hardship letter" from you. When they receive that letter, they will usually tell you that they will get back to you in about 8 weeks. By the time you get back with them, or if you are fortunate enough to get a call from them, you're already in worse shape than when you first started negotiating. 

Loss Mitigations LLC and its staff are here for one reason; to ensure the best possible outcome within a settlement.  Our team of professionals works diligently to understand the nuances of attaining the best results.  You can certainly attempt the modification process on your own.  There are even sponsored agencies that will assist you at no cost.  However, our experience has taught us that these companies do not have the time or resources to properly assist you throughout this extremely important time. 

Q: Why should I choose Loss Mitigations LLC to act as your law firms Paralegal Firm ?

A: Our clients are practicing attorneys that have been practicing real estate law for over 20 years. Rod Cifierri esq works with respected firms such as Thomas J LaLanne Esq & McCandless Law Firm have achieved an AV Martindale and Hubbell "AV" and Black Book Peer Review rating which is ONLY given when a lawyer or law firm has reached the height of professional excellence. Skilled individuals that has usually practiced law for many years, and is recognized for the highest levels of skill and integrity. Most of the law firms use more than one paralegal firm and believe me were not all the same ! call to schedule an overview to explain the Loss Mitigations LLC difference !

Our history of working with most every major lender and handling most situation several times over gives us the greatest ability to litigate  directly with the firm in charge of making a decision on your loan.

Our staff works proactively to create a thorough legal file on your behalf prior to beginning the litigation evaluation through the settlement process with your lender. 

– Personal information worksheet

– Financial information worksheet

– Mortgage information worksheet

– Debt calculation worksheet

– Budget information worksheet

– Settlement Demand analysis worksheet

The preparation and presentation of this information to your lender resulting in a beneficial settlement may take between 60-120 hours of work. There are numerous companies out there advertising "attorney-backed" or real estate broker mod shops services (Not legal anymore due to SB 94 as of October 11th 2009 and the NEW FTC Laws as of January 31st 2011) , but who, upon closer inspection, don't actually involve an attorney in your case and is in violation of state and federal laws.  Our process is different - each file is carefully reviewed by our legal team prior to litigation and the suit being filed, and our attorneys carefully review each case file. The law firms executes a refined lender litigation representation compliant model. We are confident in our serving you with 100% commitment during this process.


Q: How long does the settlement process take?

A: It depends !! Litigation can take anywhere from a few months to a year. It all depends on your current financial position, and whether or not foreclosure proceedings have already been started. Typically, it takes between 90 and 120 days to complete a file.

Q: OK, I'm ready, what do I do next?

A: You may have additional questions surrounding the following issues:

– Can you help me if I have filed for Bankruptcy?

– Can you stop a foreclosure?

– What if I simply cannot afford my house and yet I am upside down?

– Why not let the bank take the home?

– Will this affect my credit?

– What if I have already been turned down for a modification?

YOU CAN SURVIVE AND THRIVE ...... Dont give up and keep on fighting. READ MORE ABOUT THE FIGHT.......

If you want our support; schedule an interview with our firm today ! 877-733-4786 X 801 you wont regret you did !

If you need answers to any of these or many other questions please contact our loss mitigation department as we would be happy to assist you.

If you realize there is a need to seek a loss mitigation solution, simply fill out the contact us form or call us and we would be happy to discuss what is surely an stressful and emotional time for you and your family. 

At Loss Mitigations LLC, our goal is simple: To ensure that our clients achieve a TRULY beneficial resolution to their mortgage challenges and live live to the fullest on a daily basis.

Client Testimonials & Case Studies


Client Testimonials

Here are some of the more recent client testimonials that we have received from just a few of our clients.

“I just wanted to email you real quick to thank you for all your help during this process.  We finally received our final paperwork last week with our new loan agreement.  I was shocked to see that it was better than I could have imagined.  They set us up with 2% for 40 years..  This is going to help us out immensely !

What really helped was when the 2nd mortgage company made that deal with us to only pay $0.10 on the dollar (WOW, we are blessed).

Thanks again for all your help and support.”

I am very pleased and thankful for Mr Brian Anderson.  He is great at his job and makes himself available as soon as possible when you need him. I wish every business would have a Brian working for them.

Once again, thank you so much for all your help.”

Wow you guys are awesome!! I must relay my thanks to you for taking such care with my case. I know I would not have gotten the same results on my own, and perhaps not even with another firm. You actually care about the people requesting help. You made me feel like I had an ally within my war zone.  

Brian was professional, punctual, and knowledgeable.  He met deadlines and always kept me in the loop.  He called when he said he would-even if it was on a weekend or after hours.  Mostly, I found comfort in his confidence and trusted in him to do everything in his power to remedy the situation. 

The outcome was better than I expected it to be; thank you!  I have, and will continue to recommend your firm to anyone I feel could benefit from your services.”

Thank you so much for your help with this. May God bless you and your family.”

“After an extremely frustrating year of confusion and stagnation on my loan settlement with my bank, I was fortunate enough to find your firm.  I never expected to have the situation turn around in my favor so quickly with the outcome of being able to keep my home.  Not only were you guys tremendous support but listened intently to my case, then fully provided her solid expertise to facilitate a better outcome than I ever could have wished for.

I highly recommend the Law Firm and all who are in need of help and support in dealing with their lenders.”

Brian was very good and very professional. He did an excellent job. I am very happy with my settlement.

“This e-mail is long overdue.  Mario and I want to express our sincerest gratitude for being such an instrumental part in making it possible for us to remain in our home at an affordable mortgage.  When we first received the settlement papers, we were in shock.  We are fully aware of our responsibilities and will work hard to meet our obligations. We are thankful for all of our blessings and you being one of them.  You're hard work, efficiency, and determination to get the best loan for us is greatly appreciated. 

We will be happy to pass your name on to those whom we know in need of your service. May God bless you always.”

This Space is Reserved for Your Results and Testimonial!

Call Us Today to find out how we can help make your financial situation less stressful and help put you back on the path to financial success!


Our completed RESULTS and TESTIMONIALS ARE on files over the past 5 years however past result and outcomes may not be taken in to consideration while making your decision to hire the firm per state bar rules.


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