Paul Karph gave us several recommendations on how to proceed with our Loan Modification package, how to structure our hardship letter, and how to interact with the bank's representative. We followed his instructions closely and within 5 months we had our loan modification with payments less than half or our original one: Some our our principal was forgiven, our interest rate greatly reduced, and the term of the loan lengthened. Both my wife and I highly recommend Financial Recovery USA and Paul Karph.

Our first TD was with Bank of America and in default. My wife and I went in to discuss our situation with Paul Karph, FRUSA. We decided to use his services with but some fear and trepidation - were we throwing our limited funds down a "rat hole"??? We completed our financial survey form and then reviewed it with Paul. He gave us several recommendations on how to proceed with our Loan Modification package, how to structure our hardship letter, and how to interact with the bank's representative. We followed his instructions closely and within 5 months we had our loan modification with payments less than half or our original one: it included a three month trial period. Some our our principal was forgiven, our interest rate greatly reduced, and the term of the loan lengthened. We are so very happy we used Paul's services and would have been lost trying to do the modification on our own. In contrast we know an acquaintance who was doing a loan mod with Bank of America on his own. He was two and a half years into the process and still had no answer. What a difference! Both my wife and I highly recommend Financial Recovery USA and Paul Karph.