Mortgage Errors - Letona Law

Servicer Abuse

Has your mortgage servicer misapplied payments, lost payments, refuses to accept payments and/or calls you repeatedly to collect payment? Has your loan re-set and the bank has miscalculated your new payment amount? If any of this has happened to you or you suspect other abuse call for a Free Consultation.

Mortgage Modification Abuse

Were you in a modification program, like HAMP, but the bank falsely claimed you had missed a payment or claimed it didn’t receive a document and then foreclosed on your home? Has the bank told you that you must be at least 60 days delinquent in loan payments to qualify for a loan modification? Has your loan been transferred to another bank servicer who claims that you don’t have a modification and demands you pay the mortgage’s original unmodified terms? All of this is illegal. If any of this has happened to you or you suspect other abuse call for a Free Consultation.

How to Help Your Case

Write everything down. Write down the contents of each call, who you spoke with, the time and date of each call.
Save every voicemail you receive.
Keep all proof of payments, mail you receive, notes and letters you send.
Send everything certified mail return receipt requested.

John Shuagart

03:25 30 Aug 24

Extremely helpful, if you are looking for someone that can help you with your situation don’t hesitate to call. A shady dealership in pajaro was making my life miserable, Balam fixed my situation fast.

Daela George

03:21 29 Aug 24

Good experience overall. He let me know what was and wasn’t possible with my case and we got it resolved relatively quickly. I recommend his services if you’re in bind with an untrustworthy dealership.

Angelica Caballero

01:34 08 Aug 24

Excellent treatment and very friendly, but above all with great seriousness and professionalism to work with the community 100% recommended

Busy Bee Services

03:24 09 Feb 24

I called at 7:20PM and Balam Loyola, picked up my call…that was a pleasant surprise. I am currently seeking legal advice, and he was able to give me some good information.Thank you!

Anne Friscia

22:01 14 Aug 23

Balam gave me great advice regarding a car issue and explained how the California Lemon law worked. My issue was resolved quickly and in my favor. I would not hesitate to use his services again. He was thorough, patient, and very fair. I highly recommend him.

Noah Jarvis

03:37 30 Dec 22

I highly recommend The Law Office of Balam O Letona. I had bought a vehicle from a dealership in San Jose and after a multitude of problems and the dealership giving me the run around I had to find a solution. I reached out to Balam by phone and right away he listened and started to help me out. Without Balam Letona's help I would have been stuck with a broken car and out of a lot of money. I can confidently say that if anyone has trouble with a car dealership that they can contact Balam.

Larry B

23:02 07 Aug 19

Balam is at least a couple of cuts above the good lawyers that will take automobile dealership cases. I called quite a few of those that advertised this service and was turned down by all of them until I talked to Balam. He warned me that my chances were not all that good, but was willing to work with me for as long as I felt that it was worthwhile. While I may ultimately have been able to win my case, as there was certainly fraud involved, it became obvious to me as we progressed that his initial advice was probably the right answer, as it was likely I'd gain a pyrrhic victory. Balam is a class act.