On February 15th 2009 I was text messaged from my boss that we had a very important conference call later that afternoon. I did not think much of it because conference calls were practically a daily occurrence and we were always told that they were important. Well to all of our surprise, this is the call that every employee dreads to get. On that day I found out that the company in which I had worked for almost 8 years, a company that we gave up so much of our lives to in return for a six figure income was being sold. My heart sank, I felt overwhelmed with anxiety and fear my first thoughts were, “Oh my God, what am I going to do about my family, house, my cars, bills etc”.... when you get yourself in a place where you’re making a substantial income, your lifestyle rises as the income does. We are living in a beautiful home with 2 new cars, the nice things, and the expensive vacations all add up. One of my first thoughts was "I have to do something about my mortgage" being that it was more than 50% of our total monthly bills and the last thing that we wanted to do is lose it after we worked so hard to get it.

I had been told about doing a loan modification and how I could do it on my own; I just had to contact my lender to get the ball rolling. Three months went by of total frustration, stress, and countless hours filling out paperwork, sending faxes, phone calls, filling out the same paperwork again and again because they kept saying they did not receive what we had sent to them more than 5 times. We finally got the letter "We are sorry, but you have been denied for a loan modification, maybe you should try selling your home". My wife and I were beside ourselves, we could not believe that they were not willing to help us. I mean after all, when I was working we were early on every payment, we were outstanding customers. None of that mattered!

While in the process of trying to modify our loan I had talked to nearly a dozen other people that I know that had the same thing happen to them, their lender was not willing to do anything for them.  We received our first letter from the lenders attorneys at the end of August with the intent to foreclose, once again our hearts sank, and losing our home was just not an option. We decided to look into loan modification companies, many of which seemed sketchy at best, until we found a local attorneys’ office, just 15 minutes down the road from where we reside. We went to the office and got to witness the whole operation first hand, which I must say was very impressive; the whole building was designated just for loan modifications. We told them our story, we gave them our paperwork and what they gave us was HOPE, they told us they could help and boy did they.

Our house was scheduled to foreclose on November 4th and the process had already been started. I was receiving letters almost daily from attorneys telling me to claim bankruptcy and they could help to keep me in my home. These were very scary times. Well the folks at the law firm that were working on our loan modification stopped the foreclosure and are now negotiating with our lender to do our loan modification for us. Something we were unable to do after months and months of trying. 

Knowing that so many other individuals are going through the same thing that we have, my wife and I decided to start our own loan modification business with the law firm that is working with us so that we could help people during these stressful times. We also decided to add debt settlement to our business as well because we were able to settle our debt to 50 cents on the dollar and drastically reduce our monthly payments which will allow us to pay those debts off in 48 months rather than 28 years if we were to pay the minimums every month. Our passion has always been to help others and what better way than to help people keep what is so precious to them. This gave birth to Save My House LLC and Save My Finances. Being that we went through what countless of Americans are going through today, it gives us a perspective of understanding that many other companies don’t have. We are here to help in your time of need. Contact us for a FREE pre-approval and let’s work together to save what you have worked so hard for.

Sincerely,

Robert & Danmara Alvarez

www.savemyhousellc.net

www.savemyfinances.net

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