Consumer Disclosure

Voluntary Consumer Protection Disclosures

The Law Offices of Joseph R. Manning, Jr., APC (“Attorneys”) believe in adhering

to the highest ethical standards in the practice of law.

Consequently, this law office voluntarily provides all consumers with the consumer protection disclosures below.

Civil Code Section 2944.6(a)

It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage
lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov

It is your right to know:

1. Attorneys cannot force lenders to modify your mortgage and cannot provide any guaranty, warranty or prediction of the outcome in your matter.

2. Attorneys are not able to guaranty the outcome or timing of loan modification efforts and therefore Attorneys do not offer a refund in the event your loan is not modified.

3. Attorneys do not advise you to stop making your mortgage payment(s) to achieve a loan modification or for any other reason. The decision to stop making your mortgage payment(s) is yours alone and should be made based on your complete financial picture and your ability to pay.

4. Attorneys advise you to make your mortgage payments and not to default upon your mortgage obligation if you are financially able to do so. Loan modification services are intended for homeowners with a hardship or otherwise in financial distress.

5. Attorneys tend to work with the same lenders over time but do not claim special “connections” or “insider contacts” with your lender will give them an advantage in achieving a loan modification.

6. Attorneys are not accountants or tax experts and cannot provide tax advice.

7. Attorneys practice real estate law but do not claim any specialty accreditation in real estate law by the State Bar or any other entity or organization.

8. Attorneys cannot prevent foreclosure where the lender is legally entitled to foreclose upon a property.

9. Attorneys do not claim that Attorneys are able to modify consumer loans in all or virtually all instances, or even in a particular percentage of cases. In fact, Attorneys make no claims that should be interpreted as a guaranty, warranty or prediction of the outcome in any matter.

10. Attorneys statements, if any, that you may qualify for a loan modification are based upon your apparently meeting all or substantially all the requirements of a government or lender modification program(s) or based upon Attorneys knowledge of the qualification of other similarly situated persons for loan modification.

11. If you are confused by any of this information, ask the attorney, Joseph R. Manning, Jr., personally. Joe@ManningLawOffice.com.

Thank you for your interest in my law firm!

Sincerely,