At ALMS, we believe that full disclosure and honesty are the only way to conduct business.  Nearly every day we discover other loan modification companies advertising themselves as an actual attorney firm, or that they directly employ attorneys who will work on client files - when they definitely are not, and do not.  Some have homeowners all over America paying upfront fees to them versus a licensed attorney, which in most cases is illegal, and then they fail to perform services for that fee.  More and more, especially in recent months, many of these companies have been closed down for these various reasons. 

ALMS is in the business to stay in business helping homeowners like you to “Preserve Your American Dream”.  It is with this in mind that we want to explain to you, in detail and upfront, what services you can expect, and briefly how the process works.   

ALMS is contracted with several experienced attorney firms who provide a variety of legal services, and specialize in representing American homeowners throughout the loan modification process.  These attorney firms and their affiliates are currently licensed to conduct business in many states throughout the U.S (see list below), and are relied on to remain compliant with the laws and regulations in their respective states.    

The Attorneys and its affiliates help potential loan modification candidates like yourself, who are seeking mortgage assistance, by doing upfront prequalifications at no cost to you.   

This prequalification process is beneficial to know where you stand before moving forward with a loan workout program and all done by the Attorney.    This has helped to achieve a very high success rate by the Attorney Firms.

Another way we are different is this:  You will never be asked to pay monies directly to ALMS, and no part of any compensation paid by you to the attorney firm is paid to ALMS.  It is only AFTER your file has been prequalified by the attorney firm, that you will then be asked to review and complete the attorney's Legal Services Agreement and retain the attorney's services by making a payment to them if you decide to move forward.  You will be retaining the attorney to represent you throughout the loan modification process.

In our ongoing effort to assist as many at-risk homeowners as possible, we continue to expand our services to states across the great U.S.  Currently, the states in which our contracted attorneys and their affiliates are licensed to conduct business include the following. Please keep in mind that this list may not be fully accurate and is constantly changing, so please call to see if we have an Attorney in your State.

 

• ALABAMA - AL
• ALASKA - AK
• ARIZONA - AZ
• ARKANSAS - AR
• CALIFORNIA - CA
• CONNECTICUT - CT
• DELAWARE - DE
• FLORIDA - FL
• GEORGIA - GA
• HAWAII - HI
• IDAHO - ID
• IOWA - IA
• KANSAS - KS
• KENTUCKY - KY
• LOUISIANA - LA
• MAINE - ME
• MARYLAND - MD
• MASSACHUSETTS - MA
• MICHIGAN -MI
• MINNESOTA - MN
• MISSISSIPPI - MS
• MISSOURI - MO
• MONTANA - MT
• NEBRASKA - NE
• NEVADA - NV
• NEW HAMPSHIRE - NH
• NEW JERSEY - NJ
• NEW MEXICO - NM
• NEW YORK - NY
• NO. CAROLINA - NC
• NO. DAKOTA - ND
• OHIO - OH
• OKLAHOMA - OK
• OREGON - OR
• PENNSYLVANIA - PA
• RHODE ISLAND - RI
• SO. CAROLINA - SC
• SO. DAKOTA - SD
• TENNESSEE - TN
• TEXAS - TX
• UTAH - UT
• VERMONT - VT
• VIRGINIA - VA
• WASHINGTON - WA
• WEST VIRGINIA - WV
• WISCONSIN - WI
• WYOMING - WY