About the Modifcation Process

	Information GatheringThis is where we gather all of your loan documentation and all of your income and expense information. Start today by completing our online application to the best of your ability.
	Loan Audit & Financial Review Benjamin Legal Services outsources with national companies that provide best in class compliance services, undewriting services, audit services, and paralegal case management services.
	Supporting Legal Documents We will advise you of any missing documentation that may be required to complete your case file. You will need to contact your lender, your title, or escrow company in order to request any missing documantation that may be required to perfect your case file.
	Rate & Terms Lender Negotiation Negotiations will begin once Benjamin Legal Services, has received a completed case file. The negotiation process will take 30-120 days, please remain patient as modification offers must be reviewed and negotiated until a viable offer is received from your lender.
	Delivery of Modification Solution Once an acceptable loan modification has been communicated to you and accepted, the lender can take approximately 1 to 3 weeks to generate and deliver the necessary paperwork that will legally modify your loan.

Statement of Work

Benjamin Legal Services performs legal services for borrowers for a flat rate fee that will be collected as a retainer to begin the process. The standard fee for Benjamin Legal Services loan modification services may vary based on current situation of the property such as receipt of a "Foreclosure" or "Trustee Sale" notice. Litigation services will be discussed on a case by case basis, and only Benjamin Legal Services can decide if litigation services are required.

At time of consultation, there will be no fees collected. Your file will be reviewed and your case analyzed as a loan modification candidate. However, a retainer agreement must be paid in order for Benjamin Law to begin work. There are no implied guarantees that your lender will deliver a modification. Benjamin Legal Services will be happy to discuss the historical success rates and past testimonials during your consultation.

No legal services will be performed on the Client’s behalf unless the Client elects to go forward with the loan modification, a Consultation has occurred, and a complete intake package has been submitted by the Client to Benjamin Legal Services.

Our Legal Services Include

• Deliver Authorization to work with lender on behalf of Client.
• Prepare Qualified Written Request.
• Prepare a Legal Opinion Letter.
• Prepare Bankruptcy Petition, including such documents as: Voluntary Petition, Summary of Schedules, Actual Schedules, Forms, Statement of Intentions, Creditor’s Matrix, etc.
• Prepare foreclosure loss analysis for lender outlining expected losses of Foreclosure, Bankruptcy or Litigation processes may have on subject property.
• Negotiate potential loan modification on behalf of the Client with their lender.
• Draft, present and negotiate Client’s offer to accept reduced interest rate, reduced loan balance, hardship modification, forbearance agreement, or other workout solutions to mortgage lender or service provider.
• Review and revise, if necessary, modify documents and agreements to protect our Client.

Benjamin Legal Services will charge an additional fee for those files that are already in default or foreclosure and require immediate and expedited services. The additional fees will be as follows:

• Lender has filed a Notice of Default – Additional Fees Required
• Loan is in Foreclosure or Trustee Sale date has been set - Additional Fees Required (Only accepted at the discretion of Attorney)