We saw Charles Gallagher during a St Pete Foreclosure Workshop, where struggling homeowners could learn more about how to avoid foreclosure. Charles discussed their practice of suing the bank and putting them on the defensive, not what banks are in the business of doing. He discussed ballpark figures of $2-3K down and a portion of the savings they promote in your post-proceedings mortgage payment. This sounded fair and we decided to see their office for a consult. We met with a different attorney (the father?), who was very defensive to answering any questions, responding ""your obviously not ready to commit to saving your home"". The verbal fees were suddenly quoted as $6K down, and $600 EVERY TWO WEEKS until your case was completed, 2-3 years later on average. That is $35k best case, and $50k++ worse case PLUS COSTS! We felt like we left a buy-here/pay-here used car lot with a sleazy salesperson. These folks are taking advantage of people in the worst position, and they are working for you! Thankfully we have found an attorney that will help us through this turmoil, with a fair flat rate. Good luck if you are in a similar position.