This company uses several names but I connected with them under Attorney Loan Negotiations (ALN). They are located at 255 East Bonneville Avenue Las Vegas, NV 89101-6607 (702) 685-4237. I highly recommend to not use them AND don't get blind sided by the convenient bible that sits in their office.
My husband and I paid $5000 back in 2009 to get assistance in negotiating a modification for our home loan. They allow you to pay in installments but clearly state that they won't do anything until you are paid in full. As with their other customers, they tell you to stop paying your mortgage payments but then tell you that they can't say that. Once you pay the first installment, they say they will evaluate your case and that if in 30 days they don't think they can help, then they will refund your money. All that we received was an ambiguous letter that gave us the impression that they would help us. Nothing in that letter was specific as to what they would do. (The contracts that we signed did state what they will do but in our case, they did not evaluate our situation and HONESTLY tell us that they couldn't do anything for us, it stated that they would negotiate a loan mod for us but all they did was submit our paperwork to our bank and wait to see what they said...something my husband and I already did... and they did not do a forensic audit which is the main reason why we chose them in the first place.) So we continued to pay hoping for some assistance with our home. We would contact them on a monthly basis and several times we made appointments with them only to get pushed onto an assistant or paralegal. Once we met with the receptionist. Never did we get the opportunity to speak with an attorney. Months went by, we would contact them and each time they would tell us that the banks have not accepted our modification. They claim to be knowledgeable about loan modifications and claim that they can help people but as I have learned the banks have so many loop holes that ALN and probably any other company can't keep up with the changes. So you fall into somebody's pending file at the bank. If this was a reputable company, as a consumer, I expect them to advise me. (On a side note, I have heard of banks modifying loans such as Wells Fargo, but we were with Bank of America and they have done nothing to help us. You would have thought that ALN would have known this and not taken advantage of us and taken our money). Finally after bugging them for several months; close to a year, they tell us that they are going to transfer our file over to a non-profit organization that will not charge us money but then we have to sign off on their contract. We were leery of signing off but we were in a desperate situation to save our home so we signed off and got a meeting with a non-profit organization called Mabuhay. They appeared very knowledgeable of the loop holes in the bank system and we were hopeful that they were going to assist us. But our hopes were crushed when Mabuhay's office in Las Vegas was closed down. We then went straight to Bank of America ourselves to see if we could get further assistance directly. Even BofA stated that ALN should have known better about their procedures and the fact that my husband and I do not qualify for a loan modification under the Making Homes Affordable Program. We called ALN several times to ask for their assistance but never got a call back. We went to the BBB and filed a complaint, but never heard a word from this company. I don't know if they are still in business but if they are, my fight is not over.