“Many, many thanks to Natalie, our negotiator at JAS!. We want to let everyone who is skeptical know that WE’RE approved for a loan modification with our lender who is one of the more difficult lenders to deal with, Chase Bank!!!. This company went to bat for us and our normal payment of $1,553.00, taxes of $177.00, and $263.00 for homeowners went from at total of $1993.00 to a total payment of $1326.00 which includes payments, taxes, and insurance!. We are very grateful to this company & they have saved our home!. We are truly blessed to have found this company! I should also mention we now have a fixed % rate & not the ARM that we currently have which is amazing!. This company knows what they are doing and for the 1st time in a long while we can finally breathe easy!. Thank you Natalie and JAS!”.

Grateful clients from Ohio

“The professionalism of the entire group that we worked with was outstanding. We were in dire straights and skeptical at the beginning due to being taken advantage of from other organizations. We felt that no matter what we did, we were going to lose our home. Taking a last chance stance, we went with JAS. Every mortgage help company we went with before promised results. Money spent and money lost. Thank God for this group! They saved our home, got us back on  track with the bank with a modification. We were shocked!, ecstatic! What they accomplished was truly amazing! Thank you Dave Vitak, Ramona Sukhdeya, Edyta Sikes, and everyone who assisted on our case”.

Tim and Deborah – IL

“I want to sincerely thank you and Nicole for all of your support and assistance. It was extremely important to us during one of the most difficult times in our lives to feel that we’ve had the most professional and knowledgeable legal team in our corner. I don’t know if you will remember, but I called you after beginning told by our lender that our modification was denied. After over 18 months of frustration and anxiety, calling my lender every two weeks, I was offered facts and workable options. You returned my anxious calls immediately, you were so patient and kind and reassuring. Nicole was so persistent and followed up with our lender constantly and kept us informed every week until we received the final offer. Thank you again!”.

Mandana & Mahmood – FL

“I was so pleased with everything. It was a long process but in the end you guys did the job and God answered my prayers. I appreciated the patience and gentleness I received from Ramona and Ellen with all my questions and when I was in panic, how you calmed me down. It isn’t just a house you saved; it is a family and their home and a history. It isn’t a mansion but its our castle. Thanks for all you did and will do with the permanent mod coming”.

Linda – MA

“I am writing this to all concerned at JAS who have helped me beyond belief. I have secured a trial modification and I am thrilled beyond belief. I have been trying for 3 years to secure a modification with BOA. JAS did what I thought could never happen. JAS handled my case professionally and with personal sensitivity, putting my needs first. Once again, thank you so very much. A weight has been lifted from me thanks to you. I will recommend your firm to several of my friends that are having some problems with modifications. Thank you!”.

Lucille – NJ

“I was $83,000.00 behind in my mortgage. I did not have a clue on what to do until I was contacted by JAS. I was skeptical but they made me feel comfortable that they could work it out for me and thats exactly what they did. I received a principal reduction of $82,000.00 and my mortgage payments were lowered by over $500.00. Ramona was great and walked me through every step of the way. JAS not only saved my home but they saved my family’s life. We are so happy we get to stay in our home with a mortgage we can now afford. Thanks so much to Ramona and JAS”.

Jeanette – TN

“My wife and I are senior citizens from Nevada. We were having trouble paying our mortgage and bills. My wife was diagnosed with cancer in October 2011 and that is when our bills started accumulating. We heard about the new modification loan from JAS in Florida. This is a very busy firm. At the time they assigned me to Natalie Camareno as our personal contact. She called us twice and month, she asked us to send all of the documents necessary for the procedure of the modification mortgage loan. She would email or call us to us a report of the status of our loan. We would like you to know how happy we are with the way Natalie handled all of our business. We want to express our complete satisfaction with the service she and the firm of JAS provided to us. Our mortgage company lowered our monthly payment and we are very happy that we provided to us. Our mortgage company lowered our monthly payment and we are very happy that we wont have to struggle anymore. Thank you so much for all you did for us, especially with such great results”.

Mr & Mrs. J.E W – NV

“Monica & Sandra: I don’t have the words that will properly express my heartfelt gratitude for all you have done to make this work out for me and my family. There have been a few times that I have lost hope, but you have given me the encouragement and helped me to hold on. This will absolutely make a huge difference in our lives, and I now see that 2011 will be an incredible year. May God bless you richly. Thank you very MUCH”.

Bob – VA

“We were very pleased with the service we received from your law firm, especially Mr. David Vitak, Ms. Edyta Sikes, Ms. Ramona Sukhdeya, and their support staff who were directly responsible for the successful mortgage modification with our lender, PNC. When we had almost reached the end of our rope, your team came through. Having searched for and talked to, and in some cases being taken advantage of by several debt relief and or credit counselors, our search for a solution was in doubt. Most of those seemed less than transparent on rates and costs, what they could do for us and a few were actually irritating in that they approached us with an “assumptive close” attitude instead of a helpful one. Along came Dave Vitak. Dave Vitak was none of those things. He laid everything out clearly from the beginning, was honest and matter of fact, and the process went just the way he explained that it would. Even when questioned and doubted, he never wavered or tried to “sell” us. Straight shooter, a star. Edyta Sikes, professional, comforting, and guiding. Always communicated with us and kept us informed, even as our case was transferred to Ramona. During the latter stages of the process it was Ramona Sukhdeya who kept us informed and probably had it toughest with us. Though we were informed the process is slow and unpleasant, at times we were impatient. Ramona calmly explained the situation status in a profession manner, dealt with our concerns, and was instrumental in obtaining positive results. We thank her. We came upon our angels. When we thought all was lost, the calm and controlled professionalism of this team renewed our faith in ‘The System” and we are so glad a firm such as yours, was unavailable and able to honestly assist us with keeping our home. So glad we found you. We were treated with the utmost respect and professionalism. These individuals should be congratulated for the professional way in which they represent your company. We will refer you to any and all that we can. Thank you”.

IL client

“I want to thank all of you for all the work you people did for me to save my house. I know you worked very hard for me and I really appreciate it with all my heart. I cant put it all in words. Now I have one burden off my shoulders. I cant thank you folks enough”.

Gloria – MI

“For all of my initial skepticisim, I couldn’t have asked for a better organization to fight for me. You exceeded my expectations. Nicole made it obvious that you guys do really care about the people you are trying to help. Nicole handled herself in a professional manner that instilled my trust and confidence. Always prompt at responding to concerns and requests and always assertive and friendly tone towards the situation. It had gotten to the point where even if it hadnt been successful, I knew you guys were working hard and doing everything you could to reach the goal. I would be extremely happy to act as a reference for people caught up in this wonderful mortgage mess”.

Lisa – KY

“When I was contacted by Angel about your law firm to discuss a loan consolidation, it took me a while to call her back. My husband and I were both leery, but we had to find a way to keep the home we built for our kids in 2007. I took that leap of faith and after talking with Angel, I felt much more comfortable about going through the process. Once the process started, it was a long few months of waiting before the “madness: began, and then Kim took over!. Kim has been amazing throughout the whole situation. From the tearful phone calls, to the million emails back and forth, Kim was always calm and handled our situation with such grace. This endeavor was truly stressful, as we were warned, but I will be forever grateful for the help from JAS and especially from Kim”.

Mike & Carla – TX

“In April of this year before I began working with JAS hoping to have my mortgage modified so that I would be able to somehow afford my home and not lose it to foreclosure. Little did I know at the time that I would make a connection with a person who has gone above and beyond call of duty in my book to help me through one of the most stressful and difficult times in my life. That is saying an awful lot, considering I was a sold caregiver of my husband who battled state IV colon cancer for almost 4 years before losing that fight in November 2007, when my financial problems began. It seems crazy that I have never actually met Kim McCarty, yet I feel very strongly that she is one of the most committed and carting people I have ever met. She has a way of making the person she is talking to feel like the most important person in the world, and that she will do whatever it takes to help resolve any issues and to bring the best outcome possible. That is just so rare these days. I am sure you know better that the work it took to help me with the mortgage issues, beginning with the loan modification switching mid-stream to a home sale and mortgage payoff. I will forever be grateful to her and your organization. Thank you Kim, from the bottom of my heart!”.

Karen – FL

“I am writing to let you know that unlike some of the reviews that I have seen online recently, even though my attempt to modify was unsuccessful, my experience with your firm has not been a negative one. After being assigned to my negotiator, Kim McCarty, during the first phone conversation with her, it was clear to me that I was in very capable hands. Kim always conducted herself as a consummate profession and at all times kept her cool even when I became confused, frustrated, and angry. Kim always took the time to explain what was happening and why something may have happened so that I had the information needed. I felt Kim was my advocate and even though my modification was not successful, I know this is no bearing on Kim’s effort or the firm’s. I wanted to inform you of this since Kim was “The Firm”. In my eyes it is important for me to let you know that she represented you with excellence”.

Doug – FL

“We would like to thank JAS for their amazing help with our home modification. We started out with Jim Wilson who took all of our information and was very professional. We were assigned to Diane DeLeonibus who went above and beyond her ability to help us with Bank Of America. She was always available when we called and she always answered our emails within 1 business day. She explained the process in detail in the very beginning so we knew that we were not going to get quick answers from Bank Of America. She always kept us up to date in what was happening and was very helpful with all of our questions…and we had many!. We finally received a letter from Bank Of America less than a week ago telling us that we had been approved for a modification. They gave us a new payment amount which was considerably lower then what we were originally paying and the biggest show was that they offered us a principal reduction of almost half of our current balance. If you are in the need of a good group of people to help you out of a bad situation with your mortgage company, look no further then JAS. If you have already obtained their service, hang in there with them. I think you will be pleasantly surprised at what they are able to accomplish. We are very thankful to have found them. Thank you so much and especially to Diane DeLeonibus…you have mad us very happy!!!”.

Leland – IL