CDA Law Center

Offering financial solutions to individuals throughout Southern California, Consumer Debt Advocate Law Center (CDA Law Center) focuses its practice primarily in the field of home loan modifications. Incorporating the knowledge and experience of attorneys, former loan underwriters, analysts, and paralegals, CDA Law Center has guided thousands of homeowners through the loan modification process and obtained renegotiated terms on their behalf.

Led by California-licensed attorney Robert G. Scurrah, who has more than 30 years of experience negotiating and resolving disputes for consumers, the firm offers distinctive legal expertise in loan modification matters. CDA Law Center does not provide unrealistic guarantees or false promises, and the firm warns consumers to be particularly careful of entities that do so. CDA Law Center only takes on clients whom they believe may be eligible for successful loan modification negotiations by determining if the borrower meets the guidelines before pursuing the case.

Besides the staff’s considerable expertise renegotiating home loans, CDA Law Center is one of the few entities in the industry with access to the software analytics utilized by banks and loan servicers. An individual's official REST Report (www.hampreport.com), compiled under guidelines developed at the behest of the U.S. Department of the Treasury, is ordinarily not available to consumers. By applying the industry’s Net Present Value formula, CDA Law Center is able to enter modification discussions with a strong position at the negotiating table. CDA professionals apply these analytics to determine whether a consumer may be eligible for modification under the federal Home Affordable Modification Program, or for internal modification programs that vary according to an individual’s loan provider.

CDA Law Center's staff of underwriting and legal professionals possesses the requisite skills to present an individual's financial case for loan modification. CDA Law Center's past customers report having tried and failed to obtain loan modifications on their own, often due to their lack of legal expertise. With assistance, clients have successfully demonstrated qualified hardship accompanying certain medical situations or lending restrictions.

CDA Law Center negotiates with banks and loan providers with tenacity, aiming to achieve reductions in loan principle, deferments of loans, and lower interest rates.