I saw a law firm call Phillips and Associates advertising loan modification services.  Do you need to hire a law firm like Phillips & Associates to do a loan modification or can you do it yourself?  The truth is that you do can do a loan modification yourself and save yourself a retainer fee.  I would hire an attorney or someone else to handle your mortgage loan modification only if you are paralyzed by fear and know that you would be taking ineffective actions in getting it done.

Do I Need Loan Modification Services? Continue Reading »

I just saw on the Phillips & Associates website that they are doing debt negotiation and debt settlement.  The Phillips & Associates company is run by Jeffrey Phillips.   Phillips and Associates is the same company that does DUI and Bankruptcy.  Their commercials are pretty bad.  It looks like they have the people read right off a card.  I cannot see how the actual clients agree to go on TV an embarrass themselves.  They must offer to reduce their legal bills. Continue Reading »