HAINES&KRIEGER ATTORNEYS AT LAW FIRST HORIZON HOME LOANS DECEITFUL - DISHONEST - MISREPRESENTATION Internet

We saw a Haines&Krieger TV commercial will help troubled home owners get out of debt, eliminate your 2nd and even your 3rd mortgage and save your home. We made an appointment and were told about the Government Obama Remodification Program. To qualify we must first have a debt ratio of 36% or more. Based on our income and expenses paid out we were found to have a 51% debt ratio and we qualify for the Obama Remodification Program. We were also advised that we should consider filing for Chapter 13 Bankruptcy so we will be protected. However the Remodification and Chapter 13 will be filled separate with separate service fees. They sound so sure that this is the help we needed in order to save our home. We agreed to file for both remodification program and chapter 13 paid our $200 retainers fee and paid the balance of $1800.00 with in one month before the actual court filing of our documents. A payment plan was worked out in the amount of $2580.00 to be paid every month and that we can not miss a payment or we will be disqualified from the program. We are to continue to pay this amount until our remodification was done and the monies received will be in care of our appointed trustee Kathleen Leavitt. The monies will not be distributed until our remodification loan was final.

We paid 13 months amounting to $33,171.00. When asked how much longer they replied to just keep paying your monthly payment.

On 29 September I went in person to see Haines&Krieger to see how our remodification was coming along because it was just too long. I was told to see a negotiator located next door to their office to check on my status. I signed in and saw negotiator Kevin. After 13 months he regretfully tells me that my remodification was denied because my lender First Horizon Home Loan have been refusing to negotiate a new affortable loan and will no longer negotiate. When asked how did this happen he replied your lender First Horizon is the worst his ever worked with and they are very cold and they do not care about people. He said First Horizon somehow managed to remove their name off the Government HUD List. Which no longer requires First Horizon to work with trouble home owners. He also said that there are 400 other First Horizon clients in the same situation as myself. He said I will have to see my attorney for other possible option. On the following week I was scheduled to see attorney Marilyn who expressed her regrets and there is only two(2) options. First, walk away and foreclose and secondly, short sale. However, should we decide to go ahead with the Chapter 13 I will have to make an appointment with Matt Foster to sign-off a release of my remodification and Matt will worked a new monthly payment for the Chapter 13 only. After three(3) weeks we finally get scheduled to see Matt Foster. He worked out our new monthly Chapter 13 payment to be $1006.00 per month on a five(5) year program. We told him we changed our minds because we feel we were misinformed and it took them 13 months to include 13 payments that my remodification was denied. We were also told that the trustee fees of $15,000.00 will be collected with or without filling Chapter 13.

Is this legal or what? How can these attorneys just because they know the law better than I just to ripped me off.  On top of our troublesome economy attorneys like this are being allowed to ripped off descent and abiding working citizens of Nevada who just seeked for help to save our homes. I wish and pray to god that attorneys Haines & Krieger are found accountable and are required to pay back all the monies they ripped off from people of Nevada.

Everyone out there beaware of the crooks wearing a suit & tie and sometime have a stupid looking TOUPEE (hair piece) on their head.

I am very interested in filing a malpractice suit against them and/or a class action law-suit against them. For all those like me lets get together.