THANK YOU VERY MUCH to Grewal & Associates for "SAVING OUR HOME"!!!
We had made EACH & EVERY payment ON TIME, and applied for a Home Modification through the U.S. Gov't, and were then faced with a Letter saying that we had BEEN FORECLOSED!!!
Through the advise & direction of our CPA firm here in Troy Michigan, we were put in touch with Grewal Law in Okemos Michigan...(GREAT ADVISE & HARD WORK TRAVEL A LONG LONG WAY!!!) Mick & his staff "went right to work" in contacting the lending institution, and starting the process to REGAIN OUR HOME!
Through months & months of communication, letters, emails, documentation etc etc etc...we were notified this week that the Home Modification HAD BEEN APPROVED!...this is for sure something that I could NOT do by myself.
Many THANKS go out to the entire Law Firm, but especially to JESSICA PARKS who accepted & answered EVERY telephone call, email, & fax that was sent to her!!!
Thank you VERY MUCH to all of you, & GREWAL LAW is VERY MUCH RECOMMENDED for any & all of your legal needs!!!
-T & S, Troy, MI 1/27/2012
"We'd gotten into a tight financial spot and were feeling rather desperate about our situation, so we finally contacted Grewal Law. We wanted to climb off the crazy credit card train and get a handle on our debt but we had limited funds at our disposal and we were concerned about our privacy. It's an embarrassing scenario to need help managing your debt, but Grewal, especially Tom Barger and Erin Estrada, provided timely, cost effective settlement results while treating us with the utmost respect and kindness. We were able to reduce our debt by more than half which allowed us to regain control over our monthly budget and breathe a little easier. We will be forever grateful for the services Grewal, Tom and Erin provided to us and would eagerly recommend their services."
-C and A, Ingham County, MI 11/30/11
"Don’t try this at home". There is no more appropriate application of that popular admonition than when you as a homeowner are seeking a mortgage modification. Here’s what I’m talking about.
In 2009 congress responded to the mortgage meltdown and resulting economic hard times by enacting law requiring banks to make mortgage modifications in certain cases.
The banks didn’t favor it, however. They hired special law firms in each state to assist them in resisting modifications while technically complying with the new statute. In September of 2009, when we began our process of applying for a modification, we were out gunned by strategists who knew the game.
The bank would stall and pretend that we had failed to supply them with current financial information as required. We heard from others in our circumstances, of much foot dragging by banks – often in a successful effort to avoid granting a modification.
We most assuredly needed the following things:
· Every-day diligence with paperwork demands the bank hoped we’d miss
· Experience with court procedures to match the bank’s law firms
· Expertise with the mortgage industry and mortgage/modification law
Having been involved in negotiations with Mick Grewal in the past, I believed that his firm would possess the optimal mix of professionalism, and aggressiveness for this tricky strategy play. Mick confidently assured me that his firm would be aggressive in its representation. When he assigned Tom Barger to the case, Tom never missed a beat in holding the bank accountable for its paper management. Tom used the full measure of our rights to apply for the Court’s protection when it was needed to challenge the bank.
In the end we prevailed with the Court; and we did get our modification due to the true championing of our cause by Tom Barger and the astute and competent administrative assistant Jessica at Grewal.
There is not another Michigan firm that I would consider employing to represent us, or anyone else, in the treacherous obstacle course of mortgage modification.
I repeat the admonition, whatever you do "Don’t try this at home". We are certain that every dollar we spent at Grewal has been returned to us in the form of very favorable mortgage terms. We couldn’t have done it without Tom, Mick and Jessica. For that we are grateful."
-M & D, Okemos, MI 11/29/2011
"Shortly after purchasing a lovely retirement property, my husband’s health began to fail. For almost three years he was in and out of the hospital with multiple surgeries and complications. At one point he was in intensive care and almost died. He was unable to work and we began to use our credit cards more than in the past. The payments for our land investment became very challenging for us to make so we put our beautiful luxury property up for sale, never guessing that we would have any trouble finding a buyer. Although we offered the land for far less than what we had paid for it, we were unable to sell. The stories one reads about greedy banks unfortunately turned out to be true in our case. We went from having a high credit rating and paying all of our bills on time to being approximately $300,000 in debt.
It is difficult to describe the impact that Mick Grewal has had upon our lives. Everyone goes through times in life when events take place that are hard to endure, but few people are lucky enough to have someone like Mick there to help them. From our first meeting with him, we knew that we could place our absolute trust in Mick. It is extremely rare that a total stranger would devote incredible time and effort on our behalf, and yet he has done exactly that from the very beginning. During the time that we have worked with him, we have struggled with the illness and loss of beloved family members, complete financial ruin, and my husband’s resulting severe depression. Mick has stood by us through these times, providing help as our competent lawyer and comfort as our close friend. This testimonial for Grewal Law PLLC is heartfelt and not easy to for me to put into words. It is not an exaggeration to say that Mick saved our lives, figuratively and perhaps literally. We can never repay what Mick has done for us, but we hope that someday we can at least pass it on. The first step is to assure Mick, Ben, Jill, Deep and all of the “behind the scenes” staff members who have helped us, that they have made an amazing difference in our lives. Thanks to their hard work, we will soon be debt free and able to start over. We are very grateful to all of them. I don’t know how we got so lucky to have you as our attorney, Mick, but most of all, it is an honor to have you for our friend."
-E.J.K., Okemos 7/11/2011
"We hired Grewal & Associates to assist us with our home loan modification. We did not fit into the standard HAMP guidelines and our case was very complicated. Grewal Law assisted us every step of the way. They took the burden off of us and spoke to the bank throughout the entire process. Our past due balance was capitalized and added to our note so we did not have to come up with any down payment for our modification. This alone saved us about $100,000. Grewal Law was able to get us a Step Rate Modification that started at a 2% interest rate. Even though our loan is classified as a super jumbo loan we will end up with a 5.5% rate after 6 years. Grewal Law saved us over $500,000 over the life of this mortgage. Grewal Law saved our house and has allowed us to keep our American Dream. We can’t thank them enough. If you have any complicated issues we highly recommend contacting Grewal Law."
-Stan and Jody, Ingham County, MI 12/20/2010
"[We] can’t say enough about the people, service and results we received from Grewal and Assoc. This was a difficult and emotional situation for my family. We wanted results, but also privacy and respect. We got it all with Grewal. The attorneys and staff treated us with respect and were very serious about our privacy in handling these issues. They also got results. We were able to reduce our debt from $63,000 to $21,000. We are now credit card debt free and have our peace of mind back. Grewal assisted us in settling our mortgage from $95,000.00 to $26,000.00 saving us almost $70,000.00. We are thankful that we were introduced to Grewal and Associates. We continue to recommend them to people we know who are struggling with the issues we faced. Thank you Grewal and Associates!
-W and A, Clinton County, MI 12/14/2010
"We were one of those couples who paid their bills on time, and had all our bills under control. That is, until the “great Government credit card fix”. Even though we had paid our bills on time and were never late, our credit card interest rates shot up from 5.9% to 29.99%. Our monthly payments quadrupled. Overnight we went from not having any financial problems, to being in over our heads and stressing about what we were going to do.
That’s when we turned to Grewal & Associates. Mick Grewal is not your typical attorney. Mick truly cares about his clients as if they were his own family - that’s why we affectionately call him “Uncle Mick”.
Mick has helped us save almost $100,000! We would never have been able to get out of this mess if it weren’t for the help of Mick Grewal. He’s one of a kind, a straight shooter and that’s why you should contact him today if you are in a financial situation you never thought you would be in. We highly recommend Grewal & Associates!
Thanks Mick for all that you do."
J & D, Lansing, MI 12/5/2010
"Dear Mick, I would like to thank everyone at Grewal & Associates for your outstanding work on my behalf. I never thought for a second that I would still be in my home for the holidays if it weren't for you and your staff. Obtaining my modification through HAMP has saved me two thousand dollars a month at 2% interest rate for five years, that's just unbelievable! Without the expertise of Grewal & Associates, I would never have had the sheriff sale expunged and the deficiency added to the end of the loan. When I was unable to make the payments, I just didn't know where to turn. Not making those payments has allowed me to get back on my feet and I certainly couldn't have done that without Grewal & Associates. Even though the litigation took some time, Mick Grewal as always, was right there by my side to explain and educate me on everything I had to do. Again, my deepest thanks!"
-Jim, Bath, MI 11/30/2010
"The Grewal team's legal and real estate experience saved me over $300,000 in debt avoidance costs, and helped protect my credit. I did not have to declare bankruptcy. I did not have the bank take my house. Their expertise was invaluable."
-Ray, Marshall, MI 11/18/2010
"When the economy started to go bad my wife was furloughed one day a week from her job and I had my pay cut at mine. To make matters worse, I had some medical problems and missed about eight weeks of work. Our savings went pretty fast after that. We had great credit before all this happened and we figured that we could use our credit cards to pay some of the bills, and when the economy picked up so would our pay and we would be fine. Well you know how that went. I have always prided myself on paying my bills on time. Finding myself in this kind of financial trouble was embarrassing, to say the least, and I really wasn’t sure what to do.
Well before we were in trouble I contacted our mortgage lenders and tried to work out a way to reduce our monthly payments. The process of actually getting a hold of someone is a story in itself. To say it was frustrating is an understatement. When I finally did contact someone and filled out all the necessary papers we were quickly turned down. After hearing Tim’s ads for Grewal on the radio, my wife and I decided to contact them.
Thanks to Tom and the people at Grewal they were able to modify our mortgage, saving us over $500 a month on our house payment. They worked with the credit card companies to save us over $17,000 in principal and they succeeded in reducing our second mortgage by $84,500. I haven’t even begun to figure out how many thousands in interest we’ve saved. I now understand that we are not the only ones in this position and it’s reassuring having someone like them helping you get through all this.
Since working with the Grewal folks we have caught up on our taxes, paid off our second mortgage and completely eliminated our credit card debt. If not for them, I know that we would have lost our home."
- J & S, Ingham County, MI 11/13/2010
"When I hired Grewal & Associates, I owed over $44,000 on three credit cards. In less than a year they got my total amount reduced to $14,000. I am now debt free without a bankruptcy on my credit report."
-Jennifer, Howell, MI 10/21/2010
