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Client Success Stories

Success Story #1

When Jane came to see me, she had over $50,000 in credit card debt. She also had a house with two mortgages. She explained to me that she wanted to file for Chapter 7 bankruptcy. I explained to her that if she filed for Chapter 13, we could eliminate nearly all of her credit card debt and we could also strip off and discharge her second mortgage. Even though Chapter 13 costs a bit more, Jane realized this was the best plan. Jane completed her Chapter 13 early. She now has zero credit card debt, and we discharged her second mortgage which was over $100,000.00. Jane has a new life, and she deserves it.

Success Story #2

Helen came to me with over $60,000.00 in credit card debt. She was behind on her first mortgage and behind on her second mortgage as well. We couldnt strip the second mortgage because it wasn't completely "underwater." We started with a Chapter 7 which discharged all of her credit card debt. After the Chapter 7 was complete, she stopped paying both mortgages. The second mortgage of $90,000.00 eventually agreed to accept $27,000.00 as payment and full and we also got Helen a loan modification on her first mortgage. When Helen came to see us, she was working two jobs and still couldn't pay her bills. In fact, her bills were $300 per month more than her income. Now, Helen's expenses have been reduced by almost $2,000.00 per month. She now saves $1,700.00 per month!

Success Story #3

Jeff called after he was served with foreclosure papers. He hadn't paid his mortgage in over two years due to lack of work. We answered the summons with a counterclaim against the bank. We then took part in the special foreclosure mediation program. After many months of negotiations, Jeff was approved for a loan modiifcation at a 2% interest rate. His arrears were added to the balance of the loan and the loan term was extended. Jeff was able to take a two year break from his mortgage while he found more work, and when he started paying again his payment was $500.00 per month lower than his original payment.

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PLEASE NOTE THAT ALL NAMES HAVE BEEN CHANGED TO PROTECT CLIENT PRIVACY. THESE ARE EXAMPLES OF THE TYPE OF SUCCESS WE HAVE HAD SERVING OUR CLIENTS BUT OF COURSE THIS DOES NOT MEAN YOUR CASE WILL HAVE THE SAME RESULTS.

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Adams Law Group LLC
160 Summit Ave #205
Montvale, NJ 07645

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