Since the economic crash of 2007, home owners all over the State of Arkansas and the country have sought mortgage modifications from their mortgage companies or servicers to help bring their defaulted mortgages current. However, after months or years of “working” with their mortgage companies or servicers to modify their mortgages they find themselves denied a modification and further behind on their mortgages than when they started the modification process. What many home and property owners do not realize is that there are federal laws and regulations in place to protect them from the circumstances they are facing. HLO offers a free consultation to evaluate the facts of your case to determine what can be done to force a modification to which you may be entitled under federal law or regulation. Moreover, people find themselves further behind after months or years of being trapped in the modification process. Consumer laws have been enacted that can protect you and prevent the loss of your home or other property. HLO offers a free consultation to evaluate each individual’s facts to determine how best we can save your home or other properties.