90 Day HAMPLoan Modification Program
- The eModify website has been designed to deliver a focused platform for homeowners and commercial property owners facing foreclosure. Benjamin Legal Services will continue to support "qualified" homeowners enrollment into a HAMP trial payment plan, within 90 days of full file submittal*.
- Utilizing this program, Benjamin Legal Services will work with Clients to get them into a HAMP trial payment plan within 90 days, after delivering all the necessary documentation required by the loan modification process to Benjamin Legal Services.
- Utilizing national guidelines, Benjamin Legal Services will analyze the Client’s financial situation, loan specifics, and hardship situation and complete the paralegal, underwiting, compliance and auditing process. Benjamin Legal Services will determine if the Client qualifies for a HAMP loan modification and the required modification trial period.
- Those Clients that do qualify will meet with the Benjamin Legal Service attorney and the Client’s lender will be contacted immediately to begin the negotiation process. Benjamin Legal Services will qualify the Client with the lender and get them entered into a HAMP trial payment plan, our mission is to immediately lower our Client's monthly payments.
- The HAMP trial payment plan, once approved, takes effect on the next scheduled mortgage payment, giving the Client immediate relief from their financial burden.
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HAMP Prequalifications
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- Paralegal Services Benjamin Legal Services, focuses on providing the best case management services, compliance review, underwriting and auditing services, assisting in the process of residential loan modification and commercial loan work-outs. Complete and professional case management services assist Benjamin Legal Services in successfully retaining their Client's properties, by legally pursuing fair and equitable relief from lenders, servicers, or if need be, the US Courts.
- The typical Client file often contains several predatory lending violations. Through a complete auditing and discovery process, Benjamin Legal Services will outline all legal violations, determining whether the loan was unaffordable from the beginning, whether there are legal violations contained in the loan documents or if legal violations have been discovered in the loan origination process.
- Benjamin Legal Services utilizes best in class third party case management, paralegal, underwriting, compliance and auditing services on a national basis, providing the necessary scalability to handle the growing number of Client's that are faced with the threat of foreclosure. The attorneys at Benjamin Legal Services specialize in residential loan modification services and Commercial loan work-out solutions. Benjamin Legal Services will work on a contractual or retained basis.
- The law experts at Benjamin Legal Services are seasoned attorneys experienced in mortgage lending, equitable negotiations and litigation services and can assist individual borrowers and can also provide complete back-end support for lender’s and servicer’s that require high-volume modification solutions for the consumer.
- Modification. Benjamin Legal Services will do everything possible to successfully renegotiate a client's residential or commercial contract with the lender or servicer, effectively keeping homeowners in their property, and allowing commercial property owners to retain their property.
- Deed In Lieu. When the home value equals what is owed, a lender may agree to accept the deed in lieu of foreclosing. Benjamin Legal Services will negotiate a deed in lieu, if it has been decided that this is the best course of action for the property owner.
- Bankruptcy. If filing for bankruptcy is considered to be in the best interest of our Client, based on a careful review of our Client's financials, and after exploring and exhausting all other options, Benjamin Legal Services, will advise and assist the Client in the legal or filing process.
- Litigation. When necessary to obtain relief for our Client's, Benjamin Legal Services can refer a Client to a specialized litigation attorney who may elect to file suit against the lender.
- Processing. The legal team at Benjamin Legal Services can also work with lenders and servicers to increase their modification efficiency, saving time, and saving homes, by being able to handle large volume orders and provide the necessary paralegal, compliance, underwriting and auditing services required an outsourced case load.
- Kevin Benjamin, Esq.
- Has practiced law since 1989. KevinBenjamin is an experienced attorney and real estate investor, with expertise in real estate, bankruptcy law, loss mitigation, credit counseling, business management, development and sales. Over 20-year career, represented thousands of individuals and several corporations in bankruptcy proceedings, as well as adversary trials. Able to assist clients in avoiding bankruptcy, restore their credit reports, and if necessary, represent them in litigation against consumer credit reporting agencies and various creditors for violations of consumer protection laws. Experienced in representing corporations in arbitration and settlement of business-to-business lawsuits. Representation of individuals in short sales, loan modifications and workouts, forbearance, foreclosure defense, counterclaims and predatory lending issues.
- Kevin Benjamin is admitted to practice law in Illinois, Florida and California (pending).
- Theresa S. Unkrur
- Has practiced law since 1995 and is a commercial property focused attorney with extensive experience in real estate transactions at the corporate level and within mid-sized law firms, specializing in the representation of local, national, and international real estate developers. Experienced in Condo Developments, Single Family Residential Developments, Hotel/Retail development, Real Estate Investments, REIT's, Commercial Lenders, Municipalities, and Governmental Entities. Theresa Unkrur has worked with third party location finders and developers for companies such as; Walgreen Corp., Home Depot, Menards,Starbucks and National Banking Institutions. Expertise in transactional matters, including acquisition and disposition agreements, multi-party development agreements, shopping center leases, ground leases, and condemnations.
- Theresa Unker is admitted to practice law in the State of Illinois.
