How do you rate Haffar& associates

by Guest7479  |  9 years, 6 month(s) ago

19 LIKES UnLike

I am interested in mortgage modification and Haffar & Associates offered to help me. I want to know if am dealing with a reputable company. Have there
been any complaints against them?

 Tags: associates, Haffar, Rate





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  3. Guest3192
  4. Guest9550
    My friend was also recently contacted by Haffar & Associates to help her with a loan modification. If you had a bad experience with them, would you mind elaborating. She is considering working with them. I don't want her to get scammed. Thank you so much.
  5. Guest7919
    I have worked with Haffar & associates and cannot even begin to fathem them being called a scam.  Personally I have worked with them for about 4 months calls after calls.  When I say this I mean I couldn't stand the collection calls , however it's just part of the process and now we are only a few Weaks away from completing my 3rd trial payment which haffarlaw got me. Great work !!. Keep it up. Without you we would be in a house that would not be called " home "
  6. Guest1469
    I also got SCAMMED into their paying their huge retainer fee. It has been months and they never call you back. you have to leave a message with a answering service group that records your calls and forwards it to your dumb airheaded member of staff. You don't even get a real lawyer to work for you. You get the kids that just got out of high school and know how to pick up the phone and make the same d**n request you just did do your mortagate company. Do do absolutely nothing! What everyone tells you about not getting any company to do your leg work is right. Because I do more of the leg work for Haffar. Everytime a new step has occured they have to revisit my whole case like they never heard it and have to retell things that they alreay knew but somehow forgot, which then eF's up any chance of getting things correct for the mortage company. I am rambling on and on but this company is so unprofessional they should be arrested. RUN AWAY, calling the bank or even going to the goverment approved Assit company is your best chance. That is if you even have a chance to save your home. I went to the goverment assist places and was told i had no chance. Haffar knew the same information and took my money anyway. Now i am about to lose the house. Don't do the same mistake many of us already have. If anything else go to someone else but they will most likly take your money too. You either have a chance or not its that simple and the goverment places will tell you for Free. AHHHH!!!
  7. Guest8829
    we paid their retainer back in october. we were verbally promised weekly updates as to the status of our request for a restructure. They never call the same number, sometimes they e-mail us instead, and that only happens every 2 weeks. She told me I'm lucky because i get an update every two weeks because new clients only get an update every three weeks. I agree their is no lawyer working for u at all. In fact is it just a bunch of young people doing for you what u could do your self. I even call them to let them know we were told we were denied, and I wasn't called back until my next apointment 1.5 weeks later, and she acted like she never recieved anyone of my phone calls or e-mails, tol dme the person from wellsfargo was wrong because who she spoke to from wells fargo had told her we were still under review. We recieved an offical letter from them a month later dates on the 14th of that month stating we were denied. funny cause we received a phone call from our lady on the 17th saying we were still under review??? really?? I find that funny, and everytime I complain about ym quality of service, the next appointment gets worse. STAY AWAY!!! I could go on and on with other things they have done too
  8. Guest6458
    I was ripped off by Haffar and Associates... I never even received updates... they just got a 3-way authorization and did nothing else... They just took the fee and ran... never got me anything or even tried...They are fraudulent... I recommend them not being used... Ask Hud... they will give you reliable company to use... a new law was passed in oct of 2009, that these mosification companies are not supposed to charge until they have got you the loan modification...
  9. Guest1608
  10. Guest4218
    I retained Haffar & Associates back in October of last year. As of today I was denied a loan modification twice and my house in abt to be sold. I would not give these crooks one dime.....THEY ARE SCAMMERS..... I am going to report them to the California State Bar today. They promise bi-weekly conference calls and never call....EXTREMELY UNPROFESSIONAL......A real attorney does not work on your case. Young inmature people work on you case......the list goes on and on......DONT GIVE THEM YOUR MONEY....SAVE yourself a headache
  11. Guest3441
    July 19, 2010 - after reading all the complaints above, I feel I just became one of the haffarlaw victim, cause after paying them a so called legal fee services in the amount of $3,500 for a homeloan mod, the case manager, her name is Yvette Arce failed to call on the day she said she will for an update, then never reply on emails. I am thinking I will get a hold of k**i News Michael Turko, so he can investigate and expose the so called Haffarlaw
    and associates secrets.
  12. Guest3367
  13. Guest3766
    These people are awful. They take your money up front, make all kinds of promises and then try to say the delay is your fault due to lack of information. I recommend contacting the CA department of consumer affairs, the CA Bar Association and any other watchdog organization you can find. We need to put these criminals out of business. Mr. Haffar has been suspended from from the CA Bar Association twice due to lack of dues payment. What a bunch of crooks!
  14. Guest3805
    Haffar & Associates is a debt relief agency and as a result is not very much liked by debt collectors, especially smaller debt collection companies. Their agents routinely pose as clients who are upset and post false complaints on the web as guests. Anyone inquiring about Haffar & Associates should ask for third party verifiable proof and references and proof of completed modifications or other forms of debt settlement. There is a gentleman by the name of Martin Andelman who can be emailed at for references as he has expert knowledge of the loan modification industry. His most newsworthy piece of literature on the modification industry is posted at his website (copy entire string into your browser to read the article):
    Please do contact Haffar & Associates at 760.858.2681 or 760.858.2685 if you feel you have an issue with Haffar & Associates. We have had a number of false complaints from competing law firms and ruthless debt collectors posing as home retention assistance personnel because we are so highly visible on (#1 out of 7,874 lawyers in San Diego, #98 out 998,646 total lawyers overall). We do help people get out of debt by bankruptcy as well as settlement of debts outside of bankruptcy to avoid bankruptcy. I hope this helps shed some light on the complaints folks see on the internet. Thank you, Mohamed F. Haffar, Esq.
  15. Guest8262
    f**k you haffar and Haffar & associates.
  16. Guest2615
    I had negotiated a loan modification with my lender in December 2009, Haffar & Associates told me that it wasn’t a loan modification. I acquired Haffar & Associates services for a loan modification in March of this year and paid them over 3k. I told them that we needed to have open communication the entire time. I have had nothing but troubles with Haffar & Associates, they did not summit a complete package to my lender, causing my home to go into foreclosure and they did not communicate well during the process. After a couple months Haffar & Associates informed me that the modification that I negotiated in December 2009 was in fact a modification. I am very disappointed with Haffar & Associates. There lack of communication, follow through; they did not know how to summit a complete package. I had to take matters into my own hands, I called my lender and had them reinstate my modification and I managed to save my home. DO NOT USE HAFFAR & ASSOCIATES they will take your money and do nothing. I am planning on taking them to court, if anyone would like to join me, you can contact me at
  17. Guest7825
    I had negotiated a loan modification with my lender in December 2009, Haffar & Associates told me that it wasn’t a loan modification. I acquired Haffar & Associates services for a loan modification in March of this year and paid them over 3k. I told them that we needed to have open communication the entire time. I have had nothing but troubles with Haffar & Associates, they did not summit a complete package to my lender, causing my home to go into foreclosure and they did not communicate well during the process. After a couple months Haffar & Associates informed me that the modification that I negotiated in December 2009 was in fact a modification. I am very disappointed with Haffar & Associates. There lack of communication, follow through; they did not know how to summit a complete package. I had to take matters into my own hands, I called my lender and had them reinstate my modification and I managed to save my home. DO NOT USE HAFFAR & ASSOCIATES they will take your money and do nothing. I am planning on taking them to court, if anyone would like to join me, you can contact me at
  18. Guest7793
    Haffarlaw and associates does business the stinky way.
  19. Guest1229
    We are trying together a class action law suit against Haffar and Associates. Please contact me.
    Vanessa Pacheco
  20. Guest2509
    Haffar & associates are a pack of liars & thieves.
    Don’t use them.
    They should be disbarred.
    They don’t have a clue about mortgage modifications.
    All to complaints are true.
    It’s not competing law firms like dumbass Haffar says.
  21. Guest5143
    I have been working with Haffar for 6 months and in my case I have a good experience. They are a bit slow in calling you back for your follow up calls, but I am a persistent person, so I initiate calls to them. They do seem to know what they are doing,and they do have one person who continues to contact me on a regular basis to follow-up and make sure I am being handled properly.  We are very close to getting a modification letter from BofA, but BofA seems to be the one causing the paper chase and delays.  Haffar is slow at returning emails it's true, but I have consistently been working with the same people there for the whole time. They give me their cell phone numbers and they do seem to be working on my behalf.  Time will tell.
  22. Guest3062
    Wow. Really? Because someone didn't call you back a few times or because you got denied, due to I am assuming, either non submission of documents or not answering letters from the lender requesting something of YOU. Oh and wait--You can also be denied if you don't have enough income or if you have too much income, all of these above, is no fault of Haffar and Associates. I will say, we do a rough calculation to make sure you make enough money to even be in the running for a modification with the unpaid principal balance of your loan, but we don't make any guarantees of what the lender will do. We can't do that because WE ARE NOT YOUR LENDER. I happen to work for Haffar and Associates as a so called "Modification Case Manager" and happen to be working 10 hours a day trying to help good people keep their homes. So, if that equates to "no work being done on a case", and if you think that all that work should be done for free, then I don't know what to say except you are out of your mind. I would never work 50 hours per week for free and I don't think you would either. This is what we do at our firm and I am sorry if you didn't qualify, by something on your part and you are upset about it. This including not accepting a modification because you didn't like is. The lender doesn't have to give you another go around if you don't accept.

    Oh-and we're not a bunch of kids. I am a 28 year old adult trying to help people keep their homes. If you think you can do a much better job by yourself, then you should definitely take a shot at it before coming to us or any other firm. It's not something that can't be done, but having the backing of an attorney, and yes there is an attorney that works right down the hall from me and his name is Mohamad Haffar, helps. We make sure everything is being handled lawfully. I hope this helps clear the air for everyone out there. Have a great night. :)
  23. Guest7860
    Does anyone know if this is the same Mohamed Haffar who has mortgage companies throughout San Diego? One in particular called New Lending Solutions that keeps hard money investors happy?
  24. Guest6055
    Maybe you should understand that a modification does not take a few days nor is it set-in-stone as to what your payment will be. Imagine how many people are trying to get a modification right now? You stopped making your mortgage payments, you fell behind, you didn't have to hire a law firm to do your modification in the first place. You're stupid for not knowing those things. You are behind and looking for someone to take the blame on the mistakes you've made. You're skeptics and unwilling to work with someone who wants to help you, you want to fight them through it and then say either "thanks for the modification, we're happy" or "f**k you, it's your fault." Why do people even hire others to do the work for them when they can do it themselves with a calculator, figure it out people and stop trying to blame others because you can't manage your f*****g checking accounts or do anything but give someone a lot of money and say "yup, everything's gunna be fine." You are all the bad bunch, the ones who didn't get what they wanted when they wanted it so the proper solution for the what, 9 or 10 of you, is to try and bring a company down. Well good luck to you all, I hope you get what you want but don't you think your time could be better spent?
  25. Guest9269
    I've been a client for a while and they are always on top of their game! Our case manager was very professional and we are currently on month two of our trial modification :) I think some people may have had bad experiences but i think in this mortgage business that's what you get, not every case is the same. Do some research on the programs then decide what to do, that's what we did and we have more memories to come for our home now!
  26. Guest2636
    lol. Im no one but a 53 year old hard working all my life general contractor, that works on homes, don't have to tell you that I am not making enough to keep my current house payment with the housing market plunge and nobody able to get a 2nd mortgage to fix up their homes they are going to most likely lose it or are upside down do I? . Haffar & Associates also called me out of the blue with this great news how they can get me a modification in 6 weeks tops, no risk to me out of pocket, they said I dont pay if I don't get the loan mod. But the next step was to send them $3500 plus $895 for a Rest Report. Why would I pay up front for something I won't have to pay untill I get the Loan mod.? LOL. ......if its too good to be true........ contact me @
  27. Guest3967
    lol. Im no one but a 53 year old hard working all my life general contractor, that works on homes, don't have to tell you that I am not making enough to keep my current house payment with the housing market plunge and nobody able to get a 2nd mortgage to fix up their homes they are going to most likely lose it or are upside down do I? . Haffar & Associates also called me out of the blue with this great news how they can get me a modification in 6 weeks tops, no risk to me out of pocket, they said I dont pay if I don't get the loan mod. But the next step was to send them $3500 plus $895 for a Rest Report. Why would I pay up front for something I won't have to pay untill I get the Loan mod.? LOL. ......if its too good to be true........ contact me @
  28. Guest9322 is a company that offers a report to help haffar & associates complete mods like never before as well as many other law firms that are out there using the rest report.

    The rest report is the only way to know what you qualify for, before ever submitting to the bank and waiting 8-12 months you find out results in  24-48 hours

    Please feel free to take a look a we do offer the rest report to many firms, and it actually works

    This is a tool that was never available or in the toolbox till a few months ago. Now it's the best tool in any law firms arsenal.

    Any questions feel free to contact
  29. Guest8226
    Never ever call or talk to someone at this law firm. It is nothing but a group of scumbag people. Once you have pay the price of whatever you are asking for them to do for you, you're money is gone forever and all you get is none but frustration and disappointment.
    I am telling you or sharing you what my experience is with them.
  30. Guest2987

    They are going to take your money up front, Which is breaking the law for a Loan Mod. They get around it by sayibg its somethjiong that its not. Also, check out their new scam, The ' ' made byu them to get an extra $850. up front and its all B.S. Go thru only a HUD approved Program for help. or your own bank who holds the note....their is no magic fix like Haffar and their lieing telemarketers claim.

  31. Guest650

    Strait up rip offs, I was lucky enough to find out that The Rest Report Matters is Haffar and Associates created compant, Tony Aune who Called me like a car salesmen, sent Emails using <a href=""></a> made the mistake of accidently sending me one from his other email addy<a href=""></a> asking me to lie and add $2000 a month more to my P&L statement. Woops Tony, ..........busted.

  32. Guest4444

    Check out Rest Report Matters website, go to the bottom of the page, look at their address.

    © 2010 REST Report Matters. All rights reserved.<br />
    10052 Mesa Ridge Court, San Diego, CA 92126

    Now do a search of who owns that building, while your at it, get driving directions from the above address to Haffar and Associates. it isn't that far from point A. to Point B.

    Mr. Haffar, you should consider hiring me to show you how to cover your tracks a little better than you are doing with your present staff in place....of course, as per your policy, I'd want to be paid up front.

  33. Guest6245

    Im sorry for a follow up post, but I need to send a message to Tony Aune of Haffar and Associates, listen, If I made the $2000 more a month you asked me to lie about in my P & L statement, I would not need the Loan Modification I am seeking you moron.

    Hi Mike, can you please send me a new 6 month p&l with an additional 2,200 in income a month. Thanks.


    Haffar & Associates Website

    <br />
    Tony Aune

    <br />
    Tony Aune

    Jr. Underwriter

    Office: 858-227-4907

    Fax: 888-600-3161


    <br />
    2nd email address:

    Hi Mike, can you give me a call. 858-227-4907. Did you get the invoice?

    <br />
    Best Regards,

    <br />
    Tony Aune

    <br />
    Tony Aune

    Loan Disposition Analyst

    P: 877-737-8440 x 122

    F: 888-600-3151


    <br />
    Fax Numbers seem a little too close imo.<br />

  34. Guest8508

    If the Rest Report is the answer, would'nt you think the Federal Gov. who is already printing trillions of new notes and throwing it at anything that might help save this sinking ship, would also foot the bill for this?, how much are these Law firms profiting from selling you this vital information that the banks ALREADY have according to the advertisments, If the Banks already have it, why do you need to pay and show them?, lol, If the Rest report shows the bank that its in their best interest to modify your loan, and they already have the f****n program, HELLO !!!!

  35. Guest2474

    So, just so you know the Rest report is the key... to modifying loans.. go read about it.

    Rest Report Matters offers the report to many firms in fact most of the reports run through rest report matters... Here is some links for you maybe you can get a better idea of what is going on. Read the news. The banks are commiting fraud. Here is some links on the rest report and how it works... Remeber this however the banks have access to the software, yes the bank... however if the servicer were to run this report it would show they have to modify a loan... and they make 3-4x more foreclosing on a home. Now yes they should run them but they dont, and they will not ever. Unless faced with the Rest Report which will hold up all the way to the court level.  The servicers are in now way working in the best intrest of the investor although they are suppose to be working under a 800 page pooling service agrement that states they must work in the best intrest of the investor... Again sorry to say they arnt.... and who is going to say anything about it? I mean really Bank Of America foreclosed on another home they didint own do some research on whats going on.. its sad people think banks are who modify loans... there is servicers, and investors IE: Servicer would be Wells Fargo, Chase, GMAC, BofA... Investors would be Fannie Mae, Freddie mac etc...

    Interviewed Chase employee

    <a href=""></a>

    Real Rest Results

    <a href=""></a>

    Secret NPV

    <a href=""></a>

  36. Guest3945

    I am greatful to Haffar and Associates for saving my home after it was sold by GMAC and the investor was IMPAC. After trying for a year to try to get a loan modification, I lost my home because they didnt believe my occupancy. I had a verbal agreement to not foreclose and GMAC foreclosed. After contacting the investor's lawyers, Haffar & Associates was able to rescind the sale and get me back to my normal payments by capitalizing my past due on my loan and restarting me on my normal monthly payments. I didn't qualify for the Obama plan with a 1.1 Million dollar loan in the Bay area. My hardship was short term and my payments were affordable before i had the family health hardship and fell behind. I am happy to provide a reference for Haffar & Associates and I met Mr. Haffar at my Mosque where he prays every Friday. He is an honest man and without him I would be homeless. If you need a reference, please do mention my last name is Al-Koni and I am real person, you can reach me by referencing my name when asking with Haffar & Associates. I don't feel  safe giving out my phone number and email online, but I am happy to stand up in any court and swear under oath that Haffar & Associates are real and do help as they did help me.

  37. Guest4377

    How do I rate Haffar & Associates? Well, where to begin? I still can't believe the trouble I had when I first came to Haffar & Associates after being late almost 2 months with Wells Fargo. I started the process back in December of 2009 after the California law changed for modifications. I answered an advertisement from the San Diego Reader here in San Diego. I needed help as my bank kept telling me that I was being reviewed but needed to get paperwork to them weekly. I saw firsthand what they put me through. At first, they wouldn’t help me at Wells Fargo, then when the pressure finally made me realize I couldn’t do it alone, I called HUD and couldn’t get anywhere other than apply and keep calling and working with my bank. I went to a free local seminar at the convention center downtown, and they all told me the same thing. “Don’t pay for a loan modification” and “keep on top” of my bank’s requests because they were behind in processing loan modifications. I kept insisting that I had done that. As a civil engineer, I am very detailed and oriented toward solutions. Unfortunately, my position at the local civil engineering firm was cut back and I lost 28% of my income. I realized that I qualified for a workout based on the information and documents provided to Haffar and Associates. I didn't understand how a law firm could tell me I was “approved for a loan modification” because I had read about the laws and how nobody could tell. Then I asked some more questions like I normally do when I don’t understand something. I am tenacious and it is one of my strengths and luckily it helped me by asking. I realized that I was “approved with Haffar and Associates” because of several reasons. First, Wells Fargo should not have threatened foreclosure due to California civil code 2923.5 and 2923.6. I thought to myself, why they wouldn’t follow the law when Haffar pointed out why - profits are greatest in foreclosure for banks. Next, they told me, after I asked them, that my payments were too high in relation to my newly reduced paychecks, a ratio of 31% for my house payment was good for the Obama plan. My ratio was 72% and I didn’t even know how the bank calculated income or why this ratio was so important. I said "great, so how does that make me approved?" The answer was in my first love. The math was working in my favor. I could qualify for the loan; they sent me the links and documents to read about how the Obama plan works. After spending about a month checking around and trying to decide and reading about the modifications, I came back to ask some more questions from the folks at Haffar and Associates I said, "how can you charge me for a loan modification before I get it?" The answer was simpler and straightforward when I spoke to Mr. Haffar's senior staff, and to re-assure myself, I wanted to speak to Mr. Haffar himself. It was only after talking with him, that I realized how easily Wells Fargo could modify my mortgage. They spent so much time with me in planning and preparing for submission, and making sure my questions were answered I finally relented and passed my skepticism and accepted the contract for the services that they had provided and paid for the work they did till that point. They explained to me that law firms can break up services under the California law against advance fees, and even made me sign a document stating that I understood the new law and I was only paying for what I had already received, and that what I was paying for was already done. So they went ahead and helped me by submitting my file after spending a good several hours in fine tuning by budget and hardship letter in the next stage at no additional cost. Then they went to why people get denied. I didn't realize that banks look at your credit report when giving you a loan modification. That didn’t make sense to me. My credit was shot, why would that matter? My case manager helped me to understand that the bank was always looking at my credit because they are a creditor and they can assume it’s correct no matter what. So I went to (it was supposed to be as i later found out that is the right site) and got a copy of my credit report to see what was there. Then, the next day, I spent another morning going over my case. Then again, then again at about for 7 weeks I was preparing after I had paid my fee for the services they had already done. This was the only way they could help me, by first investigating, researching, reviewing, analyzing, asking me numerous questions and a list of documents to review to make a plan, and fine tuning it seemed. They gave me a script to follow when the collections at Wells called me. Once I was submitted, I had appointments to make sure they had my file. This "stage" as they call it was at no charge. In fact they spent 42.5 hours over the course of several months before Wells Fargo finally relented at the end of July. Haffar reviewed my modification and realized that there was a payment error in the modification documents! The bank was making a math error in the amortization, and when it comes to money, wouldn't you know it, it was in their favor! I WAS SHOCKED (not really at this point, nothing Wells was doing was shocking anymore). I was tired, I was pissed off. I got pretty upset in one conversation with my case manager at Haffar and Associates and then again with Haffar himself. They always welcomed a call with the lender and I was always relieved after being on the call and listening. He explained, after a little back and forth banter that the banks do this all the time. All of them, except the credit unions in Haffar’s experience. The big banks torture homeowners and hope they give up so they can steal the home! The icing on the cake was the problem how my payments didn’t amount to 31% of my income. After another three month delay, they finally came through with the correct payments on the correct modification documents. I seriously don't know why Wells Fargo can do this and I can't really do anything about it except spend more money on an upside down home by suing them. The way I looked at it, it was good for them since my loan was worth more than my home. Anyways, I am happy with the way things turned out. I really do like Haffar and Associates as a result of this experience and can recommend them to anyone. I am sure if I hadn't gotten what I wanted, I would have screamed bloody murder and gone after anyone I could. I want everyone to know that Haffar and Associates helped me a great deal and if anyone is thinking of using them, go ahead, research, learn and take your time then give them a call. The big banks are definitely not on your side in my opinion. Oh and by the way, it helps to get plenty of rest, exercise, don't drink when depressed and eat ok. These were all things that did help me get through the experience of the modification from h**l. Do you ever realize that nobody it seems is ever happy about the modification process at their bank? I tried to see how happy homeowners who have nice things to say about Wells Fargo because of their modification experience and their modification process and I couldn’t find any online before contacting Haffar and Associates. I think its funny how so many people blame the guy who is easiest and not the bank. But I do understand. If this was easy, then we wouldn't have a foreclosure crisis that fuels banks' profits. We wouldn’t have an ineffective Obama modification program. We wouldn’t have banks telling the government homeowners don’t return documents in time after they didn’t make payments on time and the government and Obama believe them. What a joke. I'm glad the election went GOP and hope things change for the better. This is ridiculous and I am happy with Haffar and associates, and I wish there was something I could do against Wells Fargo for the torture they put me through. I hate them really, but they aren’t one person, they are this big giant blob of a company without a care except their profits. Please note, I have nothing bad to say about Haffar and Associates, other than I wish I had asked for help sooner, I suffered too much, lost too much sleep, wanted to beat the c**p out of someone at Wells Fargo, and I wish there were stronger forces that leveled this for all those having the same problems I had. I definitely knew Wells was full of sh*t when they claimed that they didn’t have “updated” documents from Haffar and Associates, and they did in fact, when a supervisor at a local Wells Fargo bank branch called them. I had faxed the documents myself from the branch and so did Haffar. The next time, Haffar asked me to do it myself and I was happy to do it. That way the bank couldn't blame Haffar even though I knew Wells was full of it. Even their own tellers were telling me it was routine for customers to use their fax machines because their modification department was always asking for updates or claiming they didn’t receive paperwork. Haffar and Associates couldn’t control Wells Fargo losing my paperwork anymore than I could and I doubt anyone, even Obama himself could make them not lose paperwork and conduct torture. And I thought torture was for those in Guantanamo Bay and was recently declared illegal. This psychological torture has left me with the firm belief that the banks are in control of this nation’s treasury and they can do whatever they please. Just my opinion based on my experience.

  38. Guest8860

    The problem truely is the banks...the banks, the banks and not the advocates.  Sure Haffar & Associates takes a long time to return phone calls and emails but they do return them eventually.  In fact they invited me to come into the office and sit down and talk with me for over an hour going over my case and budget.  I cant tell you how many times Wachovia has lost my paperwork and asked for it over again.  Haffar showed me all their fax confirmations, they showed me all of their certified mail confirmation receipts.  Its f*****g amazing how Wachovia can be so stupid.  I am still in the process of getting a modification with thing I know is they are not my enemy..they are tyring to help me..I saw the stress on Mr. Haffar's face..not a fancy shmancy kind of guy.  The point is give the firm a break serously because the banks arent giving anyone a break at all

  39. Guest6945

    Haffar and Associates are under investigation for taking money up front , Wether they are  helping some or not, IT IS AGAISNT THE LAW TO TAKE MONEY BEFORE THEY GET THE CLIENT THE MODIFICATION> what part of this do you not understand??

    btw, Nice spin control attempt on the below recent posts Haffar.

  40. Guest5964
    In fact, over 1800 state bar investigations on attorneys are going on right now meanwhile all 50 state's attorney's generals are investigating all mortgage servicers. The last post implies like the she knows the law. Prove it. Somebody post the law that says its illegal to collect compensation before a modification is achieved. Let's see the law. Where is it? It doesn't exist. Law firms can break up services into individual parts when attempting to get a mortgage servicer to follow and obey CA civil code 2923.5 and 2923.6. Get your facts people. Haffar is doing a yeoman's job in each case and you are not the law because you think it says that compensation cannot be earned before a modification is achieved. And that is a fact.
  41. Guest9406

    ok, then please explain what PARTS you were breaking up when you asked for the entire $3500 plus $895 for a Rest Report UPFRONT Haffar?, go kick rocks, f****n Con Artists.

    Theres a reason why when somebody googles your name that a bunch of complaints show up first.

  42. Guest6728

  43. Guest3365

    California Civil Code Section 2923.5 (MORE NOTICE FROM BANKS NEEDED)

    California Civil Code Section 2923.6 (BANKS TO WORK IN BEST INTERESTS)

    California Civil Code Section 2944.6 (NOTICE FOR NO ADVANCE FEES)

    California Civil Code Section 2944.7 (ALSO KNOWN AS SB 94)

    "Professor: banks undermined traditional property system"

    By Tom Harvey

    The Salt Lake Tribune

    Nov 8, 2010The nation’s traditional property ownership registration system has been undermined by banks in their rush to process mortgages during the great real estate bubble, with consequences that now include a legal quagmire and huge financial liabilities for some of the nation’s biggest financial institutions.

    The fallout could rumble through the U.S. homeownership system for years, Christopher Peterson, a University of Utah law professor and recognized legal expert on the nation’s mortgage crisis, said at a forum Monday on the legal issues surrounding the surge in foreclosures.

    The 6.6 million foreclosures initiated since 2007, with an average of 2.5 people per household, have caused disruption comparable to a war, he said at the S.J. Quinney School of Law in Salt Lake City.

    “This is the sort of economic dislocation you’d expect to find with a small civil war,” Peterson said. “Imagine transplanting more than the entire metropolitan area of New York City in one go-around.”

    And, with Goldman Sachs projecting 12 million foreclosures initiated over the next five years, “really, the truth is we’re not even halfway there in terms of the numbers of foreclosures the best analysts project are coming through our pipeline.”

    Peterson said traditionally in the United States, ownership of property involved physical documents that included the promissory note with a lender and a deed of trust that gives the lender the right to foreclose on the property if the borrower doesn’t meet their obligations. Going back to the British colonies of the 17th century, these types of documents were recorded with local governments.

    But the mortgage industry found this system wasn’t fast enough or cheap enough when it wanted to sell mortgages to banks that, in turn, bundled them together and resold them to investors in what’s known as asset-backed securities.

    So the Mortgage Bankers Association created a company called the Mortgage Electronic Registration Systems (MERS), which in name now owns about 60 percent of all of the mortgages in the country. That allowed the industry to shovel mortgages through various hands and into packages without having to record the change of ownership each time with a county recorder.

    In many cases, the actual papers were destroyed or were missing, Peterson said, raising questions of how those mortgage agreements can be enforced under the law.

    “Of course it was unprecedented in American history,” Peterson said, because it subverted the role of elected county recorders and laws passed by elected legislatures.

    Attorneys general from all 50 states are investigating allegations of poor record keeping by banks and the companies that collect mortgage payments. The Federal Reserve and other banking regulators are looking into whether mortgage companies cut corners while pursuing foreclosures, including filing thousands of documents from “robo-signers,” industry representatives who signed tens of thousands of foreclosure papers without having done the legally required review.

    Steven Ramirez, a professor of law at Loyola University who also spoke at the forum, called the MERS issue a “huge problem” for home-owners who could face paperwork problems years from now. It also is a threat to “middle-class prosperity,” he said.

    Banks face major expenses trying to defend the issue in courts and great potential harm to their finances, with Bank of America facing at least $70 billion in claims, Ramirez said.

    “If it turns out that these mortgages are not valid, they sold trillions in mortgage-backed securities that have no mortgages,” he said. “That’s a huge problem for the banks.”

    In Utah, dozens of lawsuits have been filed recently over foreclosures, many of them related to the legal questions Peterson and Ramirez outlined.

    Attorney Abraham Bates said his firm has filed around 70 lawsuits during the past few months based on legal challenges to the MERS foreclosures and expects to have filed 100 by the end of the year.

    Under state law, the entity seeking to foreclose must have physical possession of the original mortgage document and have the property transfer recorded by the county recorder, he said.

    Lawsuits in Utah have had a mixed success so far, Bates said. Federal Judge Clark Waddoups in June overturned a district court judge’s order that had halted foreclosures in Utah by Bank of America, while state District Judge Kate Toomey recently issued an injunction halting a foreclosure.

    A proposed class action lawsuit against MERS, Bank of America and other entities was filed Friday in federal court in Salt Lake City by attorneys E. Craig Smay of Salt Lake City and John Christian Barlow of St. George.

    Dumont law is after quite a few people on her website including the Rescue Rooter, Clear Debt Solutions complaints, American Debt Services complaints, American Debt Settlement Group complaints, American Financial Services complaints, Alliance Debt Management complaints, Fidelity Debt Solutions complaints, I'm surprised she isn't going after the deep pocketed bankers.

  44. Guest4667

    Rescue Rooter did not ask me for $3500 plus $895 UP FRONT, to clean out my drains or my bank account....Haffar and Associates did. They also, just like a couple of the earlier comments on this page, asked me to LIE on the paper work I submitted to them. Stating "don't worry about that right now, lets just get the ball rolling and go from there, we promise you will get a new loan modification. Now that they have my money, I can't get a call back, when they were wanting the money, I got 3 maybe 4 calls a day. I recorded all of  the phone calls, I have all of the emails, I spoke with another attorney concerning getting my money back, their response was "It would cost more than you are seeking to recover, to fight them in court".  How about Small claims court?, " Do you really want to go to any court and fight agaisnt a Law Firm and think you will win?"

      When I questioned them why they couldn'nt help me get this for sure, gauranteed loan modification, and then pay, Haffar's representitive stated, "we have no way of making you pay after you get the loan modification, and $3500 isnt worth the time it would take to recover it from you thru the court system for us". Its been over a month and still nobody will call me from their office, I never get a live person (only get an answering machine) nor have I pre paid or post paid, ever had someone pick up the phone when I call, the difference now is, they called me right back before I paid, and pressured me and my wife to hurry up and pay before we lose our home, now, nothing, not one single returned call. Maybe, just maybe, I should of took a chance with Rescue Rooter to help me get a loan modification?, at the very least, my sewer system would work better?. 

  45. Guest7407

    Wow...I cant believe all the noise out here!!!  Havent you all heard about the thousands of americans filing class action lawsuits against the banks for not working with homeowners and their thrid party advocates in good faith?  I guess its easier to blame a lawyer trying to help homeowners rather then go after the deep pocketed banks..  Well just to inform you the National Consumer Law Center is involved in class action law suits against:

    JP Morgan Chase

    Bank of America

    Wells Fargo


    If your interested in joinin the lawsuit you can.  Meanwhile we are still trying to close modification cases with cleints and arent backing down.  Say what you will about Haffar but its hard for a law firm to do their job when the other party isnt follwoing HAMP at all.  Remember it takes two to tango and right now the bank is a corpse partner. 

  46. Guest7007

    * Discussion Board

    * Topic View

    Topic: Bank of America Sued For Not Modifying Mortgages

    Displaying the only post.


    Secure Law Center, P.C. Foreclosure Defense, Modifiy Mortgage, Default Strategy

    Homeowners have sued Bank of America Corp for allegedly reneging on a promise it made to modify troubled mortgages as a condition of accepting $25 billion of federal bailout money.

    In a lawsuit filed Monday in Seattle federal court and seeking class-action status, two Washington residents allege the largest U.S. bank puts its own financial interests ahead of obligations to help struggling homeowners.

    According to the complaint, Bank of America agreed to take part in the Treasury Department's $75 billion Home Affordable Modification Program, known as HAMP, because it accepted bailout funds from the Troubled Asset Relief Program.

    But the complaint said Bank of America had an incentive not to modify loans because doing so might cause it to repurchase more loans, collect lower servicing fees, or assess lower default charges because fewer payments would be deemed late.

    As a result, Bank of America "has serially strung out, delayed, and otherwise hindered the modification processes," leaving thousands of borrowers "often worse off than they were before they sought a modification," the complaint said.

    The plaintiffs Kamie and Daniel Kahlo alleged that they sought to modify their mortgage after their annual income fell to $20,000, too low to cover their $1,460 monthly payments.

    They said Bank of America advised them to become delinquent so they would qualify, and that they then signed an agreement to cut their monthly payments almost in half.

    Nevertheless, they alleged that despite their making the lowered monthly payments, which were cashed, Bank of America served them with a default notice and failed to provide final modification documents.

    A Bank of America spokeswoman declined to comment, saying the bank had not been served with the lawsuit. The Charlotte, North Carolina-based lender has repaid the $25 billion of bailout money.

    The complaint seeks class-action status, an order for Bank of America to perform its obligations under HAMP, compensatory and other damages, and other remedies.

    The case is Kahlo v. Bank of America NA et al, U.S. District Court, Western District of Washington, No. 10-00488.

    If you or anyone you know are facing foreclosure with Bank of America or any other lender that is not modifying mortgages; call us right away for a free consultation at

  47. Guest1063

     I'm a former current client and all I know is that Mr. Haffar's cell phone hasn't changed and neither has his toll free line in the past two years. He went to great lengths to explain how he believes he is compliant with the legistlative intent of the new Civil code mentioned below, 2944.7 and 2944.6. I had mentioned to him that I found this article online:

    Gov. Schwarzenegger Does the Right Thing: Signs SB 94 and Vetoes AB 764

    Governor Schwarzenegger signed Senate Bill 94, and vetoed Assembly Bill 764. Here’s the Governor’s message to the California Assembly on why he chose to veto the bill:

    Governor Schwarzenegger:

    "To the Members of the California State Assembly:

    I am returning Assembly Bill 764 without my signature.

    Although I support the prohibition of individuals charging advance fees for mortgage loan modifications, I do not agree with the provision of this bill that will only allow fees to be collected if a modification is successful.

    This could adversely affect legitimate businesses that provide loan modification services. As such, I am signing SB 94 that accomplishes this prohibition against advance fees without unnecessarily harming legitimate companies.

    For these reasons, I am unable to sign this bill.


    Arnold Schwarzenegger"

    Well… Congratulations to Governor Schwarzenegger! Frankly, you had us worried there for a few hours, as your threat to not sign any of the bills might have left us with AB 764, as it was the last to be passed by the legislature and therefore would have become law had you signed neither bill.

    But that didn’t happen, so congratulations for seeing the issue clearly and establishing California as a state that recognizes that there ARE legitimate firms helping homeowners remain in their homes and that these firms play an important role in helping not only the homeowners in their struggle against the lenders and servicers, but the state and national economy as well.

    For law firms it’s great news because we’ve developed several SB 94 compliant practice methodologies that are certainly financially viable. And for firms licensed by the Department of Real Estate, there are also ways in which to practice under SB 94 without losing one’s shirt.

    SB 94, which was proposed by State Senator Ron S. Calderon who chairs the Senate Banking Committee, and drafted under the committee leadership of Eileen Newhall, I think will turn out to be a very good thing for all involved. For homeowners, it will ensure that they’ll get what they paid for, and for law firms and others, it will add some financial discipline and make for a better client relationship. Structure and transparency is always a good thing.

    I have to say that I was not originally in favor of SB 94’s provisions on advance fees, as I saw the language and what I thought to be the original intent as being harmful to homeowners as I saw it as an attempt to deprive homeowners of professional representation. But as the process went forward and reading the final bill, I have to say that I now believe that I was wrong… SB 94 should be a very positive thing.

    Does it need some clarification from the courts as it pertains to law firms? Yes, but that will come. And does the California State Bar need to come to terms with the fact that there are hundreds of attorneys practicing in California that offer homeowners legitimate and oftentimes critical support when attempting to save their homes? Again, the answer is yes.

    But I, along with the 70 attorneys that make up the Commission on Homeowner Representation, are hopeful that this is a step in the right direction, and I salute Governor Schwarzenegger for signing it and for making the statement he made.


    Wading through ambiguities in language in order to interpret the legislative intent of a new law isn’t easy, but the moral of the story is that it can be done, and thanks to the combined efforts of the attorneys and other great minds that make up the Commission on Homeowner Representation, it can be done successfully. Reading the California State Bar’s written guidance related to law firms representing homeowners seeking loan modifications, which was published online by the Bar today, provides proof that this statement is true.


    HOWEVER, the Bar’s interpretation of the new law DOES NOT allow attorneys to accept funds in advance into a trust account and be paid from that trust account. The Bar focused on the word “receive” in the language contained in the statute as the basis for their interpretation, stating:

    The legislation prohibits the collection of advance fees for loan modifications, as specified. Among other provisions, new Civil Code Section 2944.7(a)(1) provides as follows:

    “Notwithstanding any other provision of law, it shall be unlawful for any person who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower, to do any of the following: (1) Claim, demand, charge, collect, or RECEIVE any compensation until after the person has fully performed each and every service the person contracted to perform or represented that he or she would perform.”

    Here’s a link to the Bar’s written guidance on SB 94:

    Whether the Bar’s interpretation of the trust account issue would be upheld by the courts is unknown, however, I think the salient point is clearly that the manner in which most if not all of the law firms that make up the Commission on Homeowner Representation have chosen to operate under SB 94 can now be assumed to be State Bar compliant under the new law.

    And that’s a good thing. A very good thing. Because lawyers who help homeowners avoid foreclosure have a tough enough job these days fighting the banks and servicers who continue to refuse to follow rules and even laws… and they certainly don’t need to fight the State of California or State Bar as well.

    Congratulations to all involved and thank you to the California State Bar for providing the written guidance as soon as was possible.

  48. Guest6132

    I am also one of Haffar and Associateconmens victims. Took my money and then did nothing, I am not blaming the laywers for not being able to get some help with my house, I am however, blaming Haffar and Associates for ripping me off. Period. I believe the question was how do you rate Haffar and Associates?, not who do you think is to blame for the modification process not being successfull.

  49. Guest7585
    I am a client of haffar and associates and I just completed my modification and bankruptcy with them. I couldn't be happier. I was very upset at my bank for the delays and mistakes but then I found haffar and associates who guided me through the process. I know whenever I wanted to speak to the attorney about a legal question, he was available. The one thing he wasn't good at was trying to explain why the banks were taking so long and always losing my paperwork, but I guess that's to be expected. Haffar is not a rip off or scam and he helped me wipe out my debt and keep my home on a 2% loan for the next 2 years with a rate never above 4.125. This was last month.
  50. Guest4185

    Seems like they have 10 unhappy customers for every 1 that says they are happy. I won't be using them for a loan modification after reading all the bad things on the interent about them, I don't like the odds. Does anyone have a good referrel for help getting a loan mod?.

  51. Guest8819

    Common sense will tell you that nobody has a reason to look up Haffar and Associates once they have gotten a satsifactory Loan Modification. Only people that are seeking information about them for one of a few reasons, they are looking to modify, they have had a problem with haffar and a loan modification, or they have been ripped off like some of us have been, would feel the need to be googling Haffar, and leaving negative comments on the internet. So I have to be a little suspect of those sticking up for them. ???

  52. Guest4592

    Guest21701215 is Michael Nazarinia. His writing style is unmistakeable. He is one of the head honchos at Haffar & Assoc.


  53. Guest8423

    Guest21701215 is wrong, it is NOT legal to divide services into segments to evade SB 94.   See this government website,, which says:

    Question 3:

    Does Senate Bill 94 provide a "loophole" for a licensee to break down the services of a loan modification so that a licensee can charge after respective services are performed (but before the loan modification services are fully "performed")?

    Answer: No. The DRE is aware of licensees who are attempting to evade the plain intent of the new law by breaking the loan modification process and services into various steps. For instance, step 1 might be meeting with a borrower and completing the necessary paperwork (including a hardship letter). The fee for that step service is quoted as $2500. Step 2 might be to submit the package to the servicer/lender. The fee for that service is listed as $500. Step 3 might be the actual loan modification discussions and negotiations with the servicer/lender. The fee for this step is shown as $100.

    The problem with this attempt at creative contractual expression is that it violates the new section 10026 of the California Business and Professions Code embodied in Senate Bill 94 with respect to "advance fees". The new language provides that "Neither an advance fee nor the services to be performed shall be separated or divided into components for the purpose of avoiding the application of this section".

    It is the position of the DRE that the clever but unlawful scheme set forth above is an endeavor to avoid and skirt the clear intention and public policy expression of the California Legislature and the Governor in passing and signing Senate Bill 94, to violate the "advance fee" mandates of the California Business and Professions Code, and to obtain for a licensee immediate "upfront" and sizeable payments for services that are of littleor no value to the borrower.

    Based on the experiences of those in the department who have communicated regularly with the public regarding loan modifications, the only thing a desperate, vulnerable borrower wants is an affordable, sustainable loan modification or other type of forbearance. He or she does not care about pre-loan modification paperwork processing services.

    The artificial breaking down of residential loan modification services into components or steps (with only vague, ambiguous, or no real value) by a licensee clearly violates the mandate of Senate Bill 94 that no person can receive any pre-performance compensation from a borrower for residential loan modifications or other forms of mortgage loan forbearance.

  54. Guest5478
    Haffar & Associates is no longer doing any loan modifications outside of Bankruptcy or Litigation or Both. The decision was made in September by Haffar because the banks are not working in good faith as evidenced below. I was informed of this fact when I spoke to haffar this weekend and he asked that as a client who is not unhappy, to post here. Its true, complainers make more noise than happy clients and its usually because they ar ignorant of who they should be complaining against. I am not unhappy with haffar and understand they are not the reason why its hard to get a modification.
    As if the fact that the world economy has once again taken a turn for the worse (rising inflation in China, sinking everything in Europe, endless QE in the US) wasn't enough, that pesky problem of robosigning and fraudclosure just refuses to go away. And even though the major banks are doing their best to remove any reference of this problem, which will eventually be the final nail in the coffin sealing the first truly global great depression, from the mainstream media, here is a sampling of some of the choicest admissions by robosigners, which will continue to serve as the basis for thousands of lawsuits (both RICO and otherwise) to come. While we know that BofA's Reps & Warrantees reserve is woefully underfunded (with everyone and their grandmother now seeking to putback RMBS to BofA, anything less than 'infinity' is underfunded), we hope Bank of America has set up a sufficiently large legal expenses reserve. It will need it.

    1. 'Just Sign The Documents'

    "Do you know specifically what you're authorized to do for MERS?"
    "Just sign the documents."
    "Do you know specifically what you're authorized to do for City Residential Lending?"
    "Just sign the documents."


    "Why did you sign this document indicating that your address was in California if that in fact was not your address?"
    "Because my name was on the document."
    "So it was presented to you to sign and you signed it."

    2. A Vice President At More Than 20 Companies
    "In addition to notarizing assignments of mortgage, do you ever sign assignments as a vice president of a company?"
    "For which companies have you signed as vice president?"
    "I couldn't list all."
    "Could you give me some examples?"
    "Chase Morgan. Wells Fargo. I'm on pretty much every corporate resolution."
    "Would it be accurate to say that there are maybe an excess of 20 companies or banks that you sign as vice president?"
    "That would be fair to say." 

    3. "Just Look For My Name, And Then Sign"
    "Do you have any understanding as to what that term means, 'for good and valuable consideration'?"
    "I don't usually read the docs when I sign."
    "So it's not part of your job to review the document. Your job is just to sign it."
    "Just look for my name, and then sign."

    4. No Experience Necessary
    "What did you study [in the one year of college]?"
    "Nothin'. It was just the basic."
    "General courses?"
    "Do you have any other additional training or education in banking or finance?"
    "Real estate?"

    5. Signing 5,000 Documents Per Day At Less Than A Minute Each
    "Can you tell me on any given day how many assignments or other documents you sign?"
    "Are you looking for a ballpark average?"
    "Ballpark. I certainly don't expect you to remember exactly."
    "I'd say 5,000."
    "Would that be an average day for you?"
    "That would be average."
    "Would it be fair to say that during your tenure at NTC you've probably signed an excess of 50 or 60 thousand documents?"
    "Could be higher than that?"
    "With signing so many on any given day, can you estimate for me the amount of time you spend on any given document?"
    "Less than a minute."
    "When you're presented with a document to sign or notarize, do you take any steps to verify any of the information contained in the document?"
    "Not in the body."
    "When you say 'not in the body' are there any other steps that you take?"
    "I'm just looking to make sure it's been fully signed."
    "Would it be accurate to say that you are presented with a stack of documents to sign, and your practice is to look at the document, see if it's been signed, affix your signature to it and then move on to the next document?"

    6. A Disturbing Lack Of Experience
    "When you say 'financial' are you referring to matters relating to banking?"
    "No. We don't do mortgages in my country. ... I don't have any idea about mortgages when I started here."

    7. A Strange Definition Of A Mortgage
    "Did you take any steps to verify any of the information contained in this assignment before you signed it?"
    "Do you ever take any steps to verify any of the information in the documents you sign at NTC?"
    "What is your understanding of what exactly is a mortgage?"
    "When somebody goes to buy a house, they take a loan. And then the mortgage is their paying the banks bank."
    "Can you tell me what your understanding is of the term 'promissory note'?"
    "That's just the note. Like it says the interest rate and stuff like that on it."

    8. Management May Have Electronically Signed Documents For One Employee
    "Do you play any role in the creation of the documents to which your signature is electronically affixed?"
    "No role."
    "Do you have any idea what documents or how many documents your signature has been electronically affixed to?"
    "Do you ever review those electronic documents after your signature has been affixed?"
    "So would it be accurate to say that entire process takes place outside of your presence and knowledge?"
    "That would be fair."
    "You play no role in the determination as to whether or not you should be signing the document physically, or whether your electronic signature should be inserted?"
    "Who makes that decision?"
    "That would be someone in management."
    "So someone else in management is making a decision as to whether or not to use your signature to affix it electronically to a document?"
    "And you have no role in that process?"

    9. Signing More Than 50,000 Documents
    "Have you signed assignments or other documents as vice president of any other companies?"
    "What companies have you signed as vice president?"
    "I don't know."
    "You can't recall any?"
    "Mm-mm [No]."
    "Can you estimate for me the number of different companies that you've signed assignments as vice president?"
    "I don't know."
    "Can you estimate for me how many assignments or other documents in total during your tenure at NTC you signed as an officer or a vice president of a company?"
    "I don't know."
    "Is it more than 10?"
    "More than 500?"
    "More than 5,000?"
    "More than 20,000?"
    "More than 50,000?"
    "And out of those 50,000, the only company that you can recall signing as a vice president or an officer is City Residential Lending?"

    Courtesy of Huffington Post,+the+survival+rate+for+everyone+drops+to+zero)
  55. Guest4996

    Here's another victim of haffar and assoc. :-(

  56. Guest6166

    If they would cheat people thru the loan mod process, probablt best npot to use them for anything? Just my .02

  57. Guest4560

    I paid this joker law firm $3500 in the 1st 30 days for a loan mod application, after a few months of not doing a goddamn thing, I decided to cancel everything with these jokers. I am still waiting for any refund of my money after 4 months, but it looks as the chances are slim to none cause Haffar is a LEECH.

  58. Guest6658

    Absolutely agreed, you can go to your bank, they received a bailout, they will help you at no cost, just ask HUD or HOPENOW. The banks have been proven to be nice people who don't cheat, lie or steal and get modifications done quickly and efficiently and haven’t “victimized” anyone like foreclosing on a home they don’t have the rights to foreclose upon. It’s the scammer Haffar, the problem he stole your money by giving you nothing and forcing you to pay him upfront. You spoke to Haffar he promised and guaranteed everything in writing, you believed him and he stole your money! Haffar did nothing and you paid Haffar money upfront because you were sure the bank was going to help you out as you were promised by your congressman, senator, your president and your bank. You can't trust Haffar at all because they are scammers and don't care. Everything you have ever paid for, including your loan you read all about before signing away and then claiming it was a "bad loan" or it was a the bank’s fault. There’s a victim in all of us just waiting to be exploited by someone or something. You were a victim when the lower payments at 1% interest when you got your loan, you didn't like and never paid on time. The bank gave you a bad loan and you signed on for it and were a victim too. You believed in Santa Claus and are a victim now as well. As a matter of fact why did you pay Haffar anything when it’s clear you don't need to hire help to get a modification for your stated income 1% exploding option arm loan? If you were sure, why did you pay anyone for help and not your mortgage? If you could afford an attorney why didn’t you make your mortgage payments? Help is free! Go to NACA they get it done same day.


  59. Guest9216

    Attacking everything but Haffar on this post isnt going to change the fact that theres something terribly wrong with this idiot. Its the same as the people going in and taking money from natural disaster's. Scumbag and deserves to be deported back to his terorist country he came from.

  60. Guest3787
    US Foreclosure Mess Impact Could Be Severe: Panel
    Reuters | November 16, 2010 | 05:59 AM EST

    Widespread problems in how U.S. lenders documented foreclosures could spark a wave of legal challenges resulting in massive losses to banks and serious new troubles for the housing market, a federal watchdog warned on Tuesday.

    The Congressional Oversight Panel, the overseer of the government's Wall Street bailout, in its latest report laid out a range of possible outcomes for the foreclosure paperwork mess that emerged in September.

    In the best-case scenario, the watchdog said, concerns about the paperwork mess are "overblown" and banks would be able to proceed with foreclosures as soon as invalid court documents were replaced with proper paperwork.

    But in the worst-case scenario, it warned that banks could face billions of dollars in losses.

    Banks are accused of having used "robo-signers" to sign hundreds of foreclosure documents a day without proper review, a fiasco that reignited public anger with banks that received billions of dollars in taxpayer aid during the financial crisis.

    Bank of America, GMAC and Chase were among banks that temporarily suspended foreclosures pending internal reviews of their practices, but have since begun to resume sales of foreclosed properties.

    In the worst-case scenario, the panel said banks may be unable to prove that they own the mortgage loans they claim to own, legal challenges could call into question the validity of 33 million mortgage loans — many of which were then securitized and sold to investors — and banks could face billions of dollars in unexpected losses.

    "If such problems were to arise on a large scale, the housing market could experience even greater disruptions than have already occurred, resulting in significant harm to major financial institutions," the 125-page report said. "At present, the reach of these irregularities is unknown."

    The panel, created to oversee the $700 billion bank rescue approved by Congress in 2008, also said banks could end up losing $52 billion from so-called mortgage put-backs, or loans that were sold to other investors but would have to be bought back due to problems that have turned up.

    Those losses would be borne predominantly by Citigroup, JPMorgan Chase, Bank of America and Wells Fargo, the panel said.

    Lawmaker Showdown

    Banks have been eager to downplay the impact of the foreclosure paperwork mess, saying evictions through foreclosure have been "materially accurate." The banks face lawmaker scrutiny later on Tuesday in hearings by the Senate Banking Committee, and then another hearing on Thursday before the House of Representatives Financial Services Committee.

    A top Bank of America executive acknowledged problems in the bank's foreclosure practices in testimony prepared for the Senate hearing and said Bank of America is working to replace previously filed affidavits in as many as 102,000 pending foreclosure cases.

    "Thus far, we have confirmed the basis for our foreclosure decisions has been accurate. At the same time, however, we have not found a perfect process," said BofA home loans chief Barbara Desoer in the prepared testimony.

    David Lowman, chief executive for home lending at JPMorgan Chase, also laid out missteps in foreclosure paperwork and said the bank is cleaning up errors.

    Both officials said their banks work closely with struggling borrowers to modify loans rather than foreclose, but lawmakers are expected to press banks on why more loan modifications have not gone forward.

    Bank regulators who are probing banks' foreclosure procedures have also pushed for more modifications.

    The Congressional Oversight Panel hit on loan modifications in its report, saying documentation problems could undermine Treasury's main foreclosure prevention effort, the Home Affordable Modification Program.

    "Some servicers dealing with Treasury may have no legal right to initiate foreclosures, which may call into question their ability to grant modifications or to demand payments from homeowners," the report said.

    The panel said Treasury should undertake an investigation into whether paperwork errors could undermine HAMP, and report back to Congress and the public.
  61. Guest8071

    I am sure happy I found this and other comments when I did a search of Haffar and Associates Law Firm. I was considering using them after I recieved a number of calls from a Tony who promised me the world in regards to my home mortgage that I am behind 7 months on. I did not call them, not sure how he got my number?, and yes, they are still trying to take money from new customers as I can validate that, and yes, he did mention a rest report that guarantees me a loan modification that my bank says I don't qualify for. and this was last week that I first heard from them. I knew it smelled fishy at best, but part of me wants to believe they are for real still, lol. I'm sure thats what makes it so easy to take advantage of the desperate home owner trying to hang onto their homes?. But Mr. Haffar and Associates, Good honest people don't take advantage of other good honest people when they are vulerable like some of us are, and like you are doing.

  62. Guest5143

    Haffar and Associates part of the reason America is in such a mess, I'm going to kick your a*s Mr. Haffar when I see you.

  63. Guest7698

    Haffar and Associates have not been taking on any clients since September and anyone soliciting on their behalf is a scammer. Again, be aware, Haffar and Associates have not been taking on any clients since the beginning of September.

  64. Guest5467

    Haffar and a*s are under investigation for whatever unlawful he has been doing, the court hearing is Dec 2010 and another in Jan 2011 in Santa Clara, Ca. He is a flight risk and a scum scammmer. He and his associates must go to jail and rot. 


  65. Guest1125

    Wow, I guess there would be no reason for attorneys to do loan modifications now would there. I'm glad Haffar is my attorney and he always makes me feel better when there are so many scammers out there and now he has been vindicated. Look at this article today. "Both sides have tentatively agreed that mandatory third-party mediation if a homeowner requests it is something that should be included. They also agree that there should be no more "dual track" loan modification negotiations that end suddenly with foreclosures. Many homeowners have complained that they were in the middle of loan modification discussions when they were foreclosed on or told to default on their loans to get a modification, and then ended up having their home foreclosed on."

    50 state attorneys general probing foreclosures mess close in on settlement with banks

    By Ariana Eunjung Cha

    The 50 state attorneys general are in negotiations over an agreement over foreclosures that would include a victims' compensation fund that would provide money for borrowers whose homes have been taken away improperly, according to state and industry officials.

    The discussions are still preliminary and the final deal may change significantly as details are hammered out and the settlement is vetted by 50 separate state offices, the official said.

    While there's no universal agreement that would apply industry wide and the AGs are negotiating separately with each bank, many of the stipulations are the same for the agreements being discussed with the three largest mortgage servicers: Bank of America, JP Morgan Chase and Wells Fargo.

    Both sides have tentatively agreed that mandatory third-party mediation if a homeowner requests it is something that should be included. They also agree that there should be no more "dual track" loan modification negotiations that end suddenly with foreclosures. Many homeowners have complained that they were in the middle of loan modification discussions when they were foreclosed on or told to default on their loans to get a modification, and then ended up having their home foreclosed on.

    The most radical part of the settlement deal has to do with providing monetary compensation for homeowners who have lost their homes but can prove that they have been foreclosed on wrongly. This is the most contentious item because the amount of the funds that would go into this have not been worked out and it's also unclear how it would be administered.

    The big banks have said that they either don't know of any cases in which someone was improperly foreclosed on or that the number of cases is small, but homeowner advocates say wrongful foreclosures were widespread.

    By Ariana Eunjung Cha | November 16, 2010; 5:05 PM ET

  66. Guest7224

    Judgement day is coming for you Haffar, oh wait, your a muslim, so 70 virgins waiting for you , lol

  67. Guest3634
    Foreclosure Fix Is Seen as Distant
    The New York Times | November 18, 2010 | 10:59 AM EST

    Changing the face of foreclosure in America will take some time, several state attorneys general said Wednesday, cautioning that an agreement with major lenders over revamped foreclosure practices was not imminent.

    “We want to move as quickly as possibly but it has to be done right,” said Roy Cooper, the attorney general of North Carolina. “We have plowed this ground before.”

    Ever since the law enforcement officials from all 50 states signed on last month to a highly publicized investigation of big mortgage lenders, there has been a public tug of war.

    The banks, who have been subjected to bad publicity, have played down the investigation and want to see it end as quickly as possible. The state attorneys general, however, say that there is an opportunity to fundamentally change the way banks deal with defaulting borrowers so that more people can stay in their homes by modifying their mortgages, and that they will take the time needed.

    “The large banks say they are doing everything they can to avoid foreclosure, but that is not the reality on the ground,” said Patrick Madigan, an assistant attorney general in Iowa who is a lead figure in the investigation. “The question is, Why?”

    Mr. Madigan mentioned some theories, saying any or all could be true: “Is it the fact that the current servicing system was not designed to do large numbers of loan modifications, is it being understaffed, incompetence or the servicers having the wrong financial incentives?”

    The major lenders are scheduled to appear on Capitol Hill on Thursday for the second hearing this week on their foreclosure procedures. The pressure to reach a settlement with the attorneys general will likely intensify after the hearing, which will be led by Representative Maxine Waters, a Democrat from California and outspoken critic of the mortgage lending industry.

    But quick fixes are not likely, the attorneys general said. Richard Cordray, the Ohio attorney general who lost his bid for re-election this month, was hesitant to predict a significant outcome.

    “Something will come of this, no question,” Mr. Cordray said of the inquiry. “The question is whether it will be a meaningful resolution that will make a real difference or a missed opportunity. It’s not entirely clear at this point.”

    Some experts were willing to go even further, saying the lenders were impervious to change. For 18 months, the Obama administration has promoted modifications that would keep families in their homes over foreclosures that would kick them out. The programs have had some success but ultimately have done little to stem the tide.

    “The banks’ act was to put their tail between their legs, act contrite before Congress and change nothing,” said Adam Levitin, an associate profesor of law at Georgetown University who testified before Congress on Tuesday and will testify again on Thursday.

    The banks hope to buy off the attorneys general with money, perhaps to establish a compensation fund for victims, Mr. Levitin said. That, he said, would prevent attorneys general from “digging deeper and uncovering more rot in the mortgage system. My fear is that the banks’ calculus is correct.”

    There were fresh reports on Wednesday that the foreclosure situation was deteriorating. Another 35,000 households entered foreclosure in October, the data company Lender Processing Service said, despite freezes instituted by lenders as they reviewed their practices. About 4.3 million households are either in serious default or in foreclosure.

    The housing market also showed fresh signs of trouble. CoreLogic, a data company, said Wednesday that home prices fell 2.8 percent in the last year. Earlier this week, another information company, DataQuick, said sales in the Southern California market had dropped 24 percent in October from last year.

    “We agree with the attorneys general that a housing market recovery is vital to restoring economic growth, and the sooner we resolve the outstanding issues, the better,” said Lawrence Di Rita, a Bank of America spokesman.

    For the banks, the immediate cost of halting foreclosure is not significant. Brian Moynihan, the chief executive of Bank of America, said it totaled $10 million to $20 million a month. Bank of America has frozen foreclosures in 27 states.

    A far greater threat to the broader financial system is the possibility that investors will force financial institutions to buy back hundreds of billions of dollars in soured mortgages, according to a Congressional Research Service report prepared for Thursday’s hearing and obtained by The New York Times.

    Loan buybacks could shift $425 billion in losses on mortgage-backed securities from the investors that owned them to the banks that helped originate or assemble the securities, according to the report, far more than most estimates floated on Wall Street.

    “Loan buybacks have the potential to cause the banking system to become undercapitalized once again or to cause individual large banks to fail,” the report says, “even if that outcome is unlikely.”

    While bank officials agree that a settlement with the attorneys general is not in the making anytime soon, they remain eager to put the controversy behind them. Bank of America’s reputation, in particular, was hammered last month as the uproar grew over claims that the industry had pursued foreclosures in cases where documents were lost, missing or barely reviewed before they were signed by bank officials, a practice known as robo-signing.

    What is more, as the nation’s largest mortgage servicer — it handles roughly 14 million home loans, or one in five American mortgages — it has more to lose as the investigation drags on. The majority of its troubled portfolio was picked up in 2008 when it bought Countrywide, whose aggressive subprime lending practices made it a symbol of industry excess.

    “What makes it a little more pressing for Bank of America is their level of exposure,” said Guy Cecala, publisher of Inside Mortgage Finance. “Whatever the issue is, Bank of America seems to have a target on its back from people looking to be compensated for losses.”

    As the beneficiary of two government bailouts, both repaid, it has been eager to maintain good relations with regulators.

    Representatives from Bank of America and the other main players in the mortgage servicing industry — Ally Financial, JPMorgan Chase , Wells Fargo and Citigroup — will testify at Thursday’s hearing. A top mortgage executive at Citi plans to testify that the company identified 14,000 foreclosure cases where errors may have been made, including 4,000 where a notary may have been absent when they were signed. The bank, which until now has defended its processes, still insists that in each case the original decision to foreclose was correct and that the paperwork will be refiled.

    Mr. Levitin, the Georgetown professor, will argue in Thursday’s testimony that the business model at servicing giants like Bank of America and Wells Fargo “encourages them to cut cut costs wherever possible, even if this involves cutting corners on legal requirements, and to lard on junk fees and in-sourced expenses at inflated prices.” That results in foreclosure, rather than modification, being a better bet for servicers.

    In removing such incentives, the attorneys general have the task of encouraging a new system that changes behavior. “We are trying to create a paradigm shift in the way foreclosures are handled,” said Mr. Madigan, the assistant Iowa attorney general.
  68. Guest6269
    Haffar & Associates sent me this article and asked me to post to this website. I am a happy client and know Haffar is not a scam and doesn't take money upfront. They have asked me to help get the word out that the BS that's on this webpage is just that. BS

    Well at least we agree with the Attorney General of Iowa:
    "A lot more modifications should be made that aren't being made," said Miller.

    Servicers must improve loan modifications, say state AGs
    By Tami Luhby, senior writer
    November 16, 2010: 07:48 PM EST

    As part of a probe into loan servicers' foreclosure practices, state attorneys general want banks to revamp their procedures and stop foreclosure proceedings on homeowners seeking loan modifications.

    Iowa Attorney General Tom Miller, who has been leading a 50-state probe into loan servicers' foreclosure practices since October, revealed to lawmakers Tuesday some of the goals of the investigation.

    The 50 state AGs are broadening their scope beyond allegations of improper documentation and into the handling of delinquent borrowers looking for help.

    Servicers have to make better decisions when it comes to modifications and pour more resources into the process, Miller testified before the Senate Banking Committee Tuesday.

    "A lot more modifications should be made that aren't being made," said Miller.

    One practice the attorney generals want stopped is servicers pursuing foreclosures on homeowners who are in the loan modification pipeline. Homeowners can get very confused and upset when they receive foreclosure notices at the time when servicers have agreed to reduce their payments to more affordable levels.

    The so-called dual-track system is allowed under President Obama's loan modification program. But banks are not allowed to actually sell the home until determining that the homeowner is not eligible for a modification.

    In addition, the state officials want servicers to assign one person to each homeowner's case to make the modification process smoother. And they want an oversight system that could assign a monitor or levy penalties for servicers who are not complying with the rules.

    Miller told lawmakers it could be months before the probe is finished. His office denied reports Tuesday that a settlement is near.

    The investigation began when court proceedings revealed that bank officials had signed thousands of foreclosure affidavits without reading them, a practice known as robo-signing.

    The attorney generals are talking to federal agencies, the administration, and mortgage investors, in addition the banks. They have had two sessions recently with Bank of America.

    BofA, the nation's largest servicer, is looking into halting the foreclosure process, said Barbara Desoer, head of the bank's home loan division, at Tuesday's hearing. However, contracts with investors stand in the way.

    The servicer has revamped its foreclosure practices in the wake of the paperwork scandal. Among the changes is assigning a representative to each borrower seeking a modification.

    "We know we need to provide greater clarity to our customers, who are going through the process," she said.

  69. Guest6277