If anyone is looking for a law firm to help them, Oaktree Law is who you will want to go to. I went to them with a sale date and the bank was telling me I had to pay them 55,000.00 dollars to save my home or do a chapter 13 bankruptcy. I sat down with Oaktree law and not only were they able to prequalify me over the phone before I paid them but they also modified my loan and kept me from having to lose it. The modification I received from my bank was still too high and Oak Tree Law was able to re-qualify me for the government modification. My bank had denied me from that modification due to my arrearage being so high. If anyone is facing problems with their home I definitely recommend you give them a call. Thank you Oaktree Law.