Call Us Today: 1-800-923-3456

Mortgage Modification

A new year is here and a new decade begins

By way of analogy my uncle once owned a farm and early every spring my cousin and I helped clean out the barn which was full of cow manure left behind the previous winter by the cows that made its confines their home. It was not a pleasant job but when it was done I felt a great sense of pleasure and accomplishment seeing the job completed and the barn once again in order.

Americans are doing the same thing after a decade of financial irresponsibility and massive mismanagement by both Main Street and Wall Street, and no regulations or supervision by government entities whose job it was to regulate free market excesses and abuses.

We need to get our financial house in order. The new decade will require a more measured approach by our leaders and our citizenry. The way to survive our current economic turmoil will be for everyone to tighten our belts, budget our expenses in relations to our income, and be more economically responsible for our short term and long term decision making.

It may seem cliché, but we need to live within our means. We need to look ahead and plan our course taking a more frugal, more responsible approach. Collectively, as a society and as individuals, we all need to better manage our finances and plan our respective budgets accordingly.

All Americans need to get their financial houses in order. The real estate bubble has burst and the entire residential real estate market is readjusting downward to pre-2001 price levels. Millions of Americans are struggling to make ends meet. The economy is restructuring and these changes are devastating to certain segments of our population. Millions of Americans are out of work and have lost their jobs to foreign competition. Those fortunate enough to still have a job have seen the overtime pay previously offered dwindle or disappear. Many American families are in real jeopardy of losing their homes.

The foreclosure crisis is likely to continue to persist well into this year as rising unemployment pushes more people out of their homes. It seems every day that more and more homeowners are falling behind on payments or in foreclosure. Another group of homeowners facing difficulty are families that have adjustable rate mortgages that they simply can’t afford the new payments and many simply do not qualify for a new loan via the traditional refinance route.

The program known as Making Home Affordable announced by President Obama in February of 2009 allows homeowners to have their mortgage interest rate reduced to as low as 2 percent.

Under this program, a borrower’s mortgage payments are lowered to 31 percent of their gross income, resulting in a significant average monthly savings in many cases. This program was designed to help people at risk of losing their home.

Unfortunately, a mortgage rate reduction is not simple to get approved. The program consists of an initial trial phase lasting approximately three months during which the mortgage rates are lowered for a temporary period while they file the needed paperwork, including information about income, assets and hardships.

Borrowers must understand the urgency of getting their completed paperwork in so they do not miss out on the opportunity for a more affordable monthly mortgage payment. Once the homeowner has made all the required payments on time and submitted all the required documents, the mortgage server should move their application to an approval phase which literally means the change becomes a permanent loan modification.

Garces & Grabler, P.C. has a group of experienced professionals who understands the federal rules and lenders’ foreclosures policies. Few people outside the banking world have the necessary knowledge to effectively work with your current lenders.

Our office has a very good success rate of obtaining mortgage rate reductions for qualified buyers. The key is constructing a financial plan that you can afford and your lender will approve. We analyze your financial situation and we help construct a financial plan that considers your current income and details a list of your current monthly expenses and we make recommendations to improve your budget and cash flow so your income exceeds your total monthly expenses each month.

It is time for us all to clean up our financial houses. Garces, Grabler & LeBrocq can lend a helping hand. Call 1–800–923–3456 today for a free confidential consultation!

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It was a slow process..but MR.Kotchta and Evelyn were freaking great..i cant say any more about them to..they always answered my questions in a professional manner while i was being an pain in the butt with them..👍👍👍👍
, Sep 7, 2016
Google
This firm is everything a law firm should be in this diversified world we live in today. The entire staff & attorneys are always on top of your legal matter. You can rest & trust that you are going to receive the best legal advice possible. The staff makes you feel at home with them. They are always extremely personable & knowledgeable about whatever issue they are handling for you. I love them & would highly recommend them to everyone & anyone.
, Dec 7, 2017
Like to thank u for your profession and with my traffic ticket
, Jul 24, 2016
Very good service I recommend.
, Mar 23, 2018
Thanks for everything my life change Good bless thanks
, Jul 21, 2016
Thanks, BIG help
, Apr 9, 2018
Everyone in the office is exceptional and very helpful. Thank you for helping me win my case!
, Feb 17, 2017
I love when a team gets together and get the job done with out me calling to see how everything moving along. I will always recommend this firm to anyone . Go team
, Oct 20, 2017
Mr. Lebroq is an excellent Attorney. The office staff has always been prompt , respectful and helpful. I highly recommend this firm.
, Oct 10, 2015
My case is still a work in progress. I will say that my Lawyer here has done more for me pre court than I had expected. If you need a lawyer for anything you can find someone here to help you.
, Oct 26, 2017
Google
I HAVE BEEN A CLIENT FOR A YEAR NOW(JUNE 2016)AND THE FIRM HAS BEEN DIRECT AND HANDS ON WITH ME ON EVERY ASPECT.
, Jul 6, 2017
He helped me fight a battle that I put off for years. Thank you so much for your services.
, Aug 31, 2016
A well-prepared staff who handled everything we asked. Made us feel welcome and handled everything professionally.
, Jun 13, 2016
Bill Grabler handled several comp case's for me including permanent worker's comp. He did a fantastic job.
, Jul 21, 2016
Thank you, for your help throughout this difficult time. It’s been a pleasure working with you guys. Highly recommended
, Jan 6, 2018
Felt very well taken care of. Excellent!!!!!
, Jul 19, 2016
When it comes to traffic John K gets the job done in the courtroom Job Well Done
, Aug 16, 2017
Google
I was very pleased with the service from your firm, especially my attorney Allen, he always returned mu calls and was very courteous.
, Jul 18, 2017
My uncle had some problems with meals at a Monmouth Count assisted living home. The home charged over $5,000 per month and he was not being offered food that he liked on many occasions and his complaints did not resolve the issue. I called Garces & Grabler on his behalf and they sent an attorney to the home to first speak with my uncle, then speak with the director. Within a few day, his dietary needs were met. Everything was resolved amicably and the law firm charged, in my opinion, a very reasonable fee for their services.
, Jul 12, 2016
Google
Thank you very much you guys were helpful compassionate in my situation I really appreciate the ladys in Perth Amboy are very nice I recently send it a friend and she has the same opinion.
, May 24, 2016
Thank you Mr. Lawrence LeBrocq, I have no words for the amount of appreciation I have for what you've just done.
, May 9, 2017
Great attorney , Pat Vella . Got all points dropped from my record . I owe this man 100xs over ! Thank you !
, Oct 21, 2016
Very satisfied! Exceptional service! Highly recommend!
, Jun 14, 2016
Arlindo and Gisela were extremely helpful. They told us exactly what to do, what we could expect and gave us options for working with our situation. Thank you!
, Oct 26, 2017
Los mejores
, Jul 7, 2017
Lawrence and his team are A+++ when it comes to all aspects of law.
, Jun 17, 2016
Google
Thanks for helping and you have the best service
, Jul 26, 2016
Far exceeded my expectations. Mr. Vella was confident and professional. Should I require legal assistance in the future I won't hesitate to call them.
, Oct 21, 2016
Excellent law firm. Handled multiple cases for my family
, Apr 1, 2018
Google
Great people they do help thank you for everything you've done
, Jul 18, 2017
Best lawyer I ever had
, Nov 9, 2017
Very good services . . I would recommend them to anyone who needs a lawyer
, Apr 8, 2018
EL ABOGADO GARCES Y SU EQUIPO SIEMPRE ESTÁN LISTOS PARA DEFENDER LOS CASOS DE LA COMUNIDAD LATNA CON HONESTIDAD Y GRAN PROFESIONALISMO.
, Jan 5, 2017
Facebook
Jonathan was brilliant!!! He is an expert in the field of DUI's. He is patient, well prepared and first and foremost he was concerned for the well-being of me and my family... Thanks so much for your representation!!!!
, Jun 29, 2016
Increíbly Professional and dedicated peple to the service of the Law. William Garces has to be One of the Nicest most professional lawyers I ever come across...I know not a lot of people trust lawyers but This firm will treat you with such consideration and dedication that You forget you are a Client. I would recommend this Firm to every Person I know .
, Mar 1, 2017
Very satisfied
, Aug 3, 2016
My lawyer Pat was very efficient on my case and I definitely give GGL 5 stars
, Oct 23, 2016
Less then a year the lawyer from GGL resolved my case ,,, it is the second time they help me !!!
, Sep 28, 2017
You guys are excellent
, Apr 17, 2018
Gracias !!!!
, Apr 24, 2018
Great service,would recommend to anybody!
, Jul 10, 2017
Yous are the best of the best thank you for your service
, Sep 12, 2015
They were very helpful and address any questions I had about my case.Great team, very happy overall
, Nov 22, 2017
Google
The BEST I WILL RECOMMEND
, Aug 3, 2016
Great Experience. Wouldn't hesitate to give you a call back when i mess up again. Great Service, Great Lawyer. Couldnt ask for more. Thank You Guys Once Again.
, Jul 23, 2016
The best In Plainfield, Thanks Garces+Grabler+Lebrocq for your help! Beating my case and my wife case.
, Jun 15, 2016
Buenos profesionales, completamente satisfecho con sus servicios
, Jul 11, 2017
Great personal service from your staff!
, Feb 28, 2018
Muy satisfecho con el resultado
, May 7, 2018
thank you guys for representing me!
, Jun 17, 2016
I recently had gotten a ticket that was worth 5 points. I choose this firm because they were local to where the incident occurred. I was very nervous and unsure of the possible outcomes. They were so patient and reassuring with my case. Everything went smoothly and quickly and I was very happy with the final results! I would highly recommend them!
, Feb 25, 2016
Google
Good job
, Jun 15, 2016
You guys are number 1 for me! always have an answer to help people
, Dec 21, 2017
I was very impressed with the professionalism and quick turn-around time from all the participants from GGL that assisted me. I would like to especially thank my attorney Jonathan Kessous. His credentials are very notable he is one of four attorneys throughout the entire state of NJ certified by the NJ Supreme Court as a Trial Specialist in both Criminal and Municipal Court Law matters. My case was very serious and could have resulted in jail time or suspension of my license. Jonathan was able to resolve my case very favorably. I am extremely thankful for his assistance. I would also like to recognize and thank his Paralegal Jasmin Caba and his Personal Assistant Marianne Crisitello for their assistance in communicating and preparing me for my trial. They are a great team and I would highly recommend them.
, Feb 27, 2017
Sarita Núñez vas very efficient. She did everything she could to have the case resolved
, Mar 2, 2017
Google
Outstanding service very professional attorneys thumbs up all the way
, Feb 4, 2017
I was satisfied, and the service was very good, my lawyer was very professional and did a great job.
, Feb 3, 2017
Very happy with the services provided - was dealing with Arlindo and his assistant Gisela. My case was dealt with in a timely manner, with no errors, and all advice was spot on. Will definitely use them again in the future.
, Apr 3, 2017
Google
Great representation.
, Nov 3, 2017
Excellent service John K gets the job done in the courtroom
, Aug 16, 2017
Excelentes abogados
, May 8, 2016
Hi, it was a very good experience !! I appreciate all the things the Lawyer did for me, he won the case, thank you so much again, I am 100% satisfied!
, Mar 29, 2017
G.G.L... Are the best in the business...
, Jan 26, 2017
I had the good fortune of Mr. Pasquale Vella representing in a matter that I had deemed a bleak one, with no positive outcome in sight. Vella assured me that he would work hard to get me the best results possible, and that is exactly what he did. He worked tirelessly making sure he covered all possible angles, and in the end I was extremely pleased with his services. Vella proved to be diligent, aggressive in yielding results, and very professional, all while maintaining a communicative yet good natured rapport with me as his client. I would most certainly use his services again in the future as well as highly recommend him to anyone in need of a great criminal defense attorney.
, Nov 9, 2016
Very satisfied...highly recommend!
, Jun 14, 2016
Google
Se los recomiendo muy buen abogado y lucha asta conseguir lo mejor para el cliente
, May 26, 2016
They were very effective in getting my ticket and fines knocked down to lesser offence. I appreciate all their help.
, Jul 15, 2017
Very helpful in getting speeding ticket points reduced.
, Jun 15, 2016
I would highly recommend these attorneys to all my friends and family!!! Best of the Best!!!!
, Mar 2, 2016
Google
Everyone in the office was very nice and pleasing. I had a sense of comfort when i walked into the door.
, Jan 9, 2018
Excelent.
, Apr 6, 2018
Awesome job , very pleased with the outcome of my case !
, Jan 4, 2017
Anna is the best lawyer I ever had the pleasure to hander my case, very knowledgeable in workers comp law, I would recommend to anyone.
, Jul 10, 2017
Compassion and professional
, Oct 27, 2017
Google
I had the opportunity to meet with Michelle Labrada and she and her staff made me feel at ease especially dealing with a traumatic experience. Extremely responsive and understood the details when it came to my case. I am very appreciative of their support.
, Apr 15, 2018
Google
very satisfied with the outcome. You did a very good job
, Dec 26, 2016
Todo muy bien
, Jul 21, 2016
Very professional group I'm really satisfy with service provided
, Feb 19, 2018
Extraordinary, very satisfied
, Oct 11, 2016
Thanks everything was perfect
, May 3, 2018
Estoi satifecha por supervisio grasia a
, May 16, 2016
Sarita was great, she sealed with every detail of the process. i recommend this firm
, Jun 22, 2017
Johnathan Kessous did a fantastic job handling my case. I hope i never need his expertise again...but if I do, he would be my first choice for legal representation. I had gotten a speeding ticket on the NJTPK going 84 in a 55 which resulted in a state trooper issuing me a 5 point ticket. Johnathan got it reduced down to zero points... just a fine.
, Oct 4, 2017
Excellent service. Very respected law firm. Will use again and definitely recommend
, Oct 12, 2016
They are wonderful
, Apr 18, 2018
Very good
, May 21, 2016
Staff was very helpful and explained the case as it went along.
, Jul 21, 2016
Thank you so much.you did an excellent job without you l won’t be smiling.
, Apr 22, 2018
Son exelentes abogados muy honestos y muy responsables con sus clientes y sobretodo muy amables poreso yo tengo mucha confianza en ellos y. Poreso los he recomendado ampliamente con otras personas
, Oct 22, 2017
Thank you very much for all your help and great service!
, Mar 22, 2017
Great service all the way around
, Feb 16, 2018
Google
Excellent Lawyers and paralegals. They kept me informed and updated on the progression of my case. I was pleased and will be referring others to them. Outstanding customer service.
, Jul 22, 2016
Great service and support from start to end.
, Jun 15, 2016
La atención muy eficaz son muy profesional me sentí muy sastifecho gracias
, Jul 5, 2017
Best of the best. Thanks you
, Aug 7, 2017
Excelente
, May 23, 2016
I was represented by Mr.Araujo from this firm in a disciplinary job hearing. Mr. Araujo was very professional and prepare my case very well and I was able to return to my job a few days after the hearing.
, Oct 5, 2017
Yo ELSA, estoy muy agradecida y muy feliz de haber escogido como mi abogado. Es un buen y excelente preparado e inteligente ABOGADO. Trabaja muy profesional y consciente igual todo su personal que trabaja en su oficina. Me ayudó mucho con mi Caso. Lo recomiendo a cualquiera persona que necesita sus servicios de un buen ABOGADO.
, Feb 17, 2017
They are the Best & most straight forward, honest, hardest working law firm I have ever seen in my life.
, Apr 17, 2018
The best lawyers and Their excellent assistants
, Jun 14, 2016