Category Archives: Loan Modification

CORONA, CALIFORNIA, USA, August 7, 2023 — Larry and Veronica Smitherman, residents of 3541 Vanderbilt Cir, Corona, CA 92881, have achieved a significant milestone in their homeownership journey, securing their home and obtaining a permanent loan modification, thanks to the support of the Nonprofit Alliance of Consumer Advocates (N.A.C.A Law).

The Smithermans, who have owned their home since January 1998 and secured a $185,000.00 loan in April 2003, faced challenging times in May 2022 due to the Covid-19 virus shutdown and the tragic loss of their daughter. Despite their persistent efforts to find a solution with their lender, they discovered on March 8, 2023, while visiting their daughter’s grave, that their home had been foreclosed and sold to a third party for $581,000.

During this challenging period, the Smithermans were approached by several foreclosure consultants and companies offering assistance with a $366,000.00 surplus retrieval. However, their ultimate hope was to reclaim the surplus funds and retain ownership of their beloved home. Through a simple Google search for ‘Trustee Sale Reversal,’ they came across the Nonprofit Alliance of Consumer Advocates (N.A.C.A Law) at www.trusteesalereversals.org. Nonprofit Alliance of Consumer Advocates, a faith-based 501(c)3 nonprofit organization dedicated to financial literacy, homeownership preservation, and affordable housing, aligns perfectly with Smitherman’s needs and aspirations.

Assured by the Nonprofit Alliance of Consumer Advocates commitment to helping them stay in their home as long as possible, the Smithermans were also introduced to the Consumer Defense Law Group, a vital partner of the Nonprofit Alliance of Consumer Advocates. Consumer Defense Law Group, whose website is www.cdlawgroup.com, helped them reverse the Trustee Sale.

Thanks to the dedicated efforts of Consumer Defense Law Group, led by Principal Managing Attorney Anthony Cara, the Trustee Sale was successfully reversed. On April 19, 2023, while visiting their daughter’s grave, the Smithermans received life-altering news: they were offered a new, sustainable loan modification, restoring the home into their name with an affordable payment plan that had previously been denied to them multiple times.

We are deeply honored to have been of service to Larry and Veronica Smitherman during this challenging time. Witnessing their journey and successfully reversing the Trustee Sale has been incredibly fulfilling,” said Attorney Anthony Cara. “While we cannot guarantee results, we pledge our unwavering effort and dedication when homeowners like the Smithermans trust us.”

This victory highlights the invaluable mission of the Nonprofit Alliance of Consumer Advocates in providing crucial support and advocacy for homeowners in need. Through their commitment to financial literacy, homeownership preservation, and affordable housing, the Nonprofit Alliance of Consumer Advocates continues to positively impact the lives of individuals and families across the nation.

VALLEY SPRING, CA, USA, July 10, 2023 — Danielle Scaparro Plam, a distressed homeowner facing an imminent foreclosure sale, found hope and a lifeline through the Nonprofit Alliance of Consumer Advocates (N.A.C.A). Thanks to their unwavering support, Danielle was able to halt the sale of her property and secure a completely free legal loan modification, paving the way for a brighter future.

Danielle’s financial burden had reached an overwhelming point, with her mortgage being 162 months behind and a delinquent amount totaling $33,365.62. With an interest rate of 9.9% and a monthly payment of $278.72, the situation seemed dire. Adding to her distress, the lender had set a sale date of November 1, 2022, leaving Danielle with a limited timeframe to find a solution.

Determined to retain her property and avoid foreclosure, Danielle initially submitted a loan modification application to her lender. Unfortunately, her hopes were dashed when the application was rejected in October 2022, citing her lack of eligibility. Faced with imminent auction of her home then a possible eviction and feeling desperate, she reached out to various organizations for assistance, but her pleas went unanswered.

In her search for urgent help, Danielle discovered the Nonprofit Alliance of Consumer Advocates, a highly regarded organization with an A+ rating from the Better Business Bureau (BBB) and a track record of success in helping homeowners facing mortgage challenges. The organization had received glowing five-star reviews from grateful clients, instilling confidence in Danielle’s decision to seek their assistance.

Complicating matters, Danielle was unemployed due to the ongoing COVID-19 situation and was also dealing with the aftermath of her separation from her husband, who had previously contributed to the mortgage payments. Despite these setbacks, she remained determined to find a solution and save her home.

The Nonprofit Alliance of Consumer Advocates swiftly assigned an experienced Loss Mitigation Volunteer Advocate to Danielle’s case. This dedicated advocate meticulously gathered all the necessary documents and skillfully submitted the loan modification application to the lender on Danielle’s behalf. Their expertise and knowledge of the loan modification process played a pivotal role in persuading the lender to approve the request and cancel the impending sale date.

With the successful intervention of the Nonprofit Alliance of Consumer Advocates, Danielle’s delinquent amount was reduced to a zero balance. Additionally, her loan modification included a lower interest rate than she previously had and a more manageable monthly payment. This significant improvement not only saved Danielle’s home but also provided her with a renewed sense of stability and hope for a brighter financial future.

She is now incredibly happy and relieved that she found the Nonprofit Alliance of Consumer Advocates, they truly came to rescue her when she was on the brink of losing her home.

The Nonprofit Alliance of Consumer Advocates continues to empower and assist homeowners like Danielle, bridging the gap between distressed individuals and sustainable solutions. Through their dedicated volunteers and invaluable expertise, they offer a lifeline to those struggling with mortgage challenges, providing a pathway to financial stability and homeownership preservation.

For more information about the Nonprofit Alliance of Consumer Advocates and their commitment to consumer advocacy, please visit their website at www.NACALaw.org or contact them directly at 855-622-2435

ADELANTO, CA, UNITED STATES, June 26, 2023 — Deonne Berry, a homeowner struggling with financial difficulties exacerbated by the COVID-19 pandemic, found solace in the compassionate services provided by the Nonprofit Alliance of Consumer Advocates. Through their diligent efforts and unwavering commitment, Ms. Berry successfully obtained a free loan modification, allowing her to retain her cherished property.

Ms. Berry’s situation was dire, with her mortgage payments falling behind by an alarming 13 months. The economic repercussions of the pandemic had dealt her a heavy blow, leaving her searching for assistance to navigate the complex world of mortgage modification. However, other businesses she approached demanded substantial fees for their services, pushing her deeper into distress.

Determined to find a solution that aligned with her goal of keeping her property, Ms. Berry turned to the internet in search of reputable nonprofit organizations specializing in mortgage aid. It was during her search that she stumbled upon the Nonprofit Alliance of Consumer Advocates—an organization renowned for its exceptional A+ Better Business Bureau (BBB) rating and stellar 5-star reviews on Google.

Ms. Berry’s mortgage delinquency amounted to an overwhelming $16,075.76, with an interest rate of 3.750% and a monthly payment of $798.18. Recognizing the urgency of her situation, an experienced volunteer advocate from the Nonprofit Alliance of Consumer Advocates promptly stepped in to guide her through the process.

The diligent advocate swiftly collected all the necessary documents, leaving no room for lender rejection or procedural setbacks. Their expertise and attention to detail ensured that Ms. Berry’s application for a loan modification was presented flawlessly, maximizing her chances of a favorable outcome.

With the devoted assistance of the Nonprofit Alliance of Consumer Advocates, Ms. Berry’s journey toward financial recovery took a significant turn. The organization’s unwavering commitment to social responsibility allowed them to secure a zero out-of-pocket cost loan modification for her. Consequently, her entire delinquent amount was reduced to zero, while the interest rate remained at 3.750%. Furthermore, her monthly payment was adjusted to a more manageable $786.16, providing her with newfound stability and relief.

Overwhelmed with gratitude, Ms. Berry expressed her joy and satisfaction with the assistance she received from the Nonprofit Alliance of Consumer Advocates. Their dedicated efforts throughout the loan modification process had not only saved her from potential foreclosure but had also given her hope for a brighter financial future.

The Nonprofit Alliance of Consumer Advocates continues to make a profound impact in the lives of individuals facing mortgage hardships. By providing invaluable assistance, they empower homeowners to regain control over their financial well-being and foster stability in their communities. Their selfless commitment to consumer advocacy serves as a testament to the positive change that can be achieved through compassionate and dedicated nonprofit initiatives.

For more information about the Nonprofit Alliance of Consumer Advocates visit their website www.NACALaw.org , please visit or contact 855-622-2435