About the Modifcation Process
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.
- 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)


