CDA Law Center

CDA Law Center (CDALC) is nationally recognized by non-profit Homeowner Advocates as one of the most trusted firms in the country for helping consumers through their Bankruptcy, Lien Stripping, or Loan Modification process. With almost four years of foreclosure prevention related experience and over 3,000 successful modifications negotiated, you can feel confident that our experienced case managers, paralegals, analysts, former underwriters, and attorneys will work diligently on your case until resolution.  Our commitment is to provide you with honest and ethical advice so you can make an informed decision regarding your loan modification process.  Our ethical standards prohibit us from accepting clients unless they have a demonstrable financial hardship and we believe you meet the financial criteria required for a modification.

The modification process can be long and arduous. Anyone, including attorneys, who tell you otherwise or guarantees specific results should be scrutinized carefully. To help us determine whether we believe you qualify for modification, we first gather your financial information and conduct a free financial analysis and initial consultation. Based on this preliminary information, we determine whether it is likely you will qualify for a loan modification from a financial perspective. We base our decision from our extensive experience in working with the various government and non-government programs offered by the various Lenders and Servicers. If we believe you do not have a case for modification, we will tell you why and what you would need to do to "fit" within the guidelines.

Despite the availability of government programs such as Making Home Affordable (HAMP), your lender believes that a loan modification is a "hardship program", not a "right". As such, we are seeking voluntary concessions from your lender. The decision to provide you financial relief rests solely in the hands of your lender, and is often predicated on the outcome of a Net Present Value analysis. To learn more about qualifying for a loan modification using Net Present Value, feel free to call or view the REST Report page on the top nav-bar. Properly preparing your lender package, so it fits within lender modification guidelines, is a critical component for success during the modification process. CDALC provides the experience and expertise to navigate this process to improve your chances for success.

During his 33 years as a California licensed attorney, Mr. Robert G. Scurrah has negotiated and resolved disputes on behalf of consumers and businesses alike. Mr. Scurrah, along with our other fine attorneys at CDALC, personally perform work on every loan modification case and prepare most every document we submit to your lender. Our attorneys are happy to meet or speak with you at any time either before or during the course of your case at our Mission Viejo offices. Please contact CDALC to schedule an appointment and/or free consultation.

We do not offer “Forensic Predatory Loan audits". Please be wary of anyone offering you these, specifically if not from a law office. These audits are often in violation of federal law and you should beware of false claims. The statute of limitations on Predatory Lending cases expire three (3) years after the loan was originated, except in rare circumstances.. However, opportunities may exist to litigate and challenge the bank regarding their ownership of the loan. Notably, CDALC offers the official R.E.S.T. Report. The R.E.S.T.  report is run on software developed for lenders and servicers to determine the Net Present Value (NPV) of your loan, a critical componant in acheiving a loan modification.   NPV determines whether your lender makes more money modifying your loan, or foreclosing on yourhome, and you can count on them to do what is in their best financial interest. Running a REST Report is the only way to see what you lender sees before you submit fgor al oan modification. CDALC is one of only a handful of firms in the country who have access to this lender and servicer software platform. There are also numerous internal modification programs which vary by lender if you do not qualify for HAMP or the Net Present Value. See the tab on this page for more information on the R.E.S.T. Report.

Our experience and understanding guides us through lender barriers to success. Moreover, you are being represented by attorneys who are bound by a higher level of ethics.. Almost all of our clients have tried and failed on their own to negotiate acceptable loan terms with their lender. In our experience, a majority of these clients failed because they do not have the underwriting or legal background to adequately analyze their case. Despite these previous failures by our clients, CDALC is usually able to achieve a modification for our clients once we rework the case. We have worked with all of the major lenders and servicers and understand how to navigate the often complex and frustrating path to a modification. No two cases are the same. As such, CDALC cannot guarantee an outcome for any case. Obtaining a concession from a lender requires an experienced eye and an understanding of the qualifying conditions of every program. Our attorneys and legal staff will work directly with the Legal Department, Executive Resolution, 3rd party Attorneys, or the Loss Mitigation Departments of your lender.