Testimonials

August 27, 2007

Dear US Loss Mitigation,

I'd like to take this time to say thank you so much for everything you have done for us in order for us to keep our home. We tried an other company, American Loss Mitigation, and all they did was never contact us or we could never get ahold of them and in the end they said they did everything they could, with know results and they kept our money anyways.

But with US Loss Mitigation Services we were always kept informed on what was going on. The results were even better than we ever expected. We personally want to thank your staff for all of their hard work.

So thank you very much.

Jack and Lorretta Klump

July 20, 2007

Stan,

I have worked with USLM for about a year now, and it has changed not only my life but the lives of people we are constantly helping. With your help and knowledge, our company has helped save dozens of homeowners from foreclosure. We are helping people keep their homes and get their lives back on track.

I know there are other companies that claim to do loss mitigation, but it my belief that experience and reliability are important. I trust USLM because I know you work hard to help others.

Mike Kleinstub

Date: July 15,2007

To: US Loss Mitigation

Subject: Thanks to your Loss Mitigation Specialist: Skylar L. Gobert

Dear US Loss Mitigation

It is with great pleasure to write you about your Specialist: Skylar I came to him for help with less than a month’s time before my Home would be sold at the Courthouse steps. I was well pleased with the service Skylar provided. He illustrated: patience, sincerity, and a skillful experienced attitude, in addition he explained each step of the mitigation phases, which made the process run smoother and effective.

I was at a point of losing my Home and thought stopping the foreclosure was a hope. Skylar’s calmness and confidence that your Services at USLM can make this a reality did exactly what your creed said;” Stop Foreclosure Now!”

He was there to help every step of the way. His integrity and directness was mirror to the organization goal, which is solely to assist homeowners, keep there home. God Bless your organization and the people whom believe in your passion not to prosper on others’ misfortunes.

Skylar, and Staff at USLM, I appreciate you and your sincere effort in my time of Hardship, you will never be forgotten. I pray to God for good health and prosperity toward you as well a continued long relationship with your company whom since 1985 are people helping people.

Thank you once again for all your kindness and help.

Sincerely grateful (still a homeowner)

Linda Ann Ward-Sabb

July 11, 2007

I have been an associate with USLM since the 1st of the year and can say I am truly excited about the opportunity to build a business while helping people who are truly in need.

Prior to joining USLM, I research other loss mitigation programs and believe that USLM is the strongest with their commission structure, back office support, reliability, expertise and goal in helping people save their homes.

Kevin Elliott

January 8, 2007

Thanks, Stan, I got my check today.

The support of your staff at USLM is awesome. Everyone on your staff, Christina, and Josh who was really patient with all my questions, is so helpful and responsive. No matter what I need they are always gracious and quick to help.

After having gone through a few of the loan payment mitigations, I really feel confident that if anything can be done, it will be accomplished by your mitigation staff. Patrice and Gayle are so knowledgeable and competent with the negotiations process and at the same time wonderfully understanding and sympathetic with clients. I have been on several three-ways with my clients when the stress level was just too much and they broke down into tears. Both Patrice and Gayle were able to listen and sooth their fears and help them to recover. To me, it was just so reassuring to know that they could bring comfort to the emotional pain my clients were feeling as well as provide real solutions to their problems.

As for me, by working with your system, I have come to understand the entire foreclosure cycle so much better than I could have ever done by just buying and reselling pre-foreclosures. Not only does the ability to mitigate loan payments provide an excellent alternative for my pre-foreclosure clients, it has allowed me to understand how they got into their current situation and what the real world alternatives are.

Also, please pass on my thanks to the associate, who was so convincing and got me started with US Loss Mitigation as the best company for the last 3 years. He is really a talented and knows just what to say at the right moment when people need to hear it.

Thanks again. I am looking forward to a successful 2007 working with you and your company.

Lill

January 6, 2007

To Whom It May Concern:

I was about to lose my house that my wife Jeanie and I bought some 12 years ago. I lost jeanie in death in May of 2005 and with her loss was a loss of income that forced me to fall behind in bills and house payments. I was contacted by the bank and they informed me I was going to lose the house.

I got a card in the mail from a group called Mortgage Second Chance, a company in Florida. They wanted $1,200 up front to help me. I didn't think I have another option so I sent the money. I did this with Debit Card and two weeks later the company called wanting $3,000 a month for three years to help me. I told them if I could afford that I would not be in this mess.

The same day I got a letter from you Michael, you claimed to be able to help me. At this time I had no idea the bank was going through with the foreclosure. I thought it was delayed. I had less than 20 days until the sale at the courthouse. I agreed to let you help praying I would not get taken advantage of a second time. I am glad I did.

Thank God for you Mike Kleinstub. Thank God for your company (US Loss Mitigation Services out of Virginia) you saved my home from foreclosure and at a price per month I could afford.

I want to also say that everything you told me was the truth and was explained in a manner that I could understand. I would recommend you and your company (US Loss Mitigation out of Virginia) to anyone at anytime.

Yours truly,
Clyde M.
Texas

October 28th

Patryce has really helped in attempting to assist us. I don't think we will trust anyone else with our assets other than her. She has shown us that she will work hard for our better interests. She grasps our situation & search for the best & efficient ways to help us. Thank You for your hard work & dedication!

Sept 2006

Thank you! Thank you!

The program has help me and my family from being placed on he street. The over twenty years of experience with USLM has been clearly demonstrated in our case.

Thank you to the professional staff of USLM.

God Bless

SC

August 31st

I just wanted to Thank you all very very much, for all your hard work and commitement. Peggy, Patryce, and Julie together saved my home from foreclosure in the 11th hour. My sale date was to be August 31st, and was resolved and stopped August 30th. I cannot even begin to tell you the stress that I have been going through this past 10 months or so. Now I have a new fresh start to a bright future and to live the american dream of owning and keeping a home for me and my family.

Once again, thank you...thank you...thank you!!

David F.

May 2nd

I would, without reservation, give my highest recommendation to U.S. Loss Mitigation Services. During a severe financial crisis, we were faced with the scary possibility of foreclosure on our home of 11 years. We felt we had nowhere to turn and no options to consider. By chance, I stumbled across U.S. Loss Mitigation on the internet. I didn't hold out much hope that they could help us with our problems, but I really felt I had nothing to lose at that point. I filled out a short online questionnaire and sent it off, not expecting to hear back or find a solution that would do much good.

I was contacted by Mike Prevey an associate with the US Loss Mitigation within 2 days and arranged to speak by phone shortly after. His clear and concise explanations of what U.S. Loss Mitigation Services could and couldn't do for my situation gave me a small ray of hope. I agreed to work with them, but I still didn't hold out much hope that we could resolve our situation. I have a natural cynicism about companies you find on the internet and their usually empty promises.

With a foreclosure date set fore April 27, 2005 and only weeks away, U.S. Loss Mitigation went into action. Within one day of agreeing to work with them, they had made contact with my bank and other parties involved and set things in motion. Mr. Prevey kept in constant contact with us, and answered every question and concern that we had throughout the process. He made himself available to us without limits and answered our questions and gave reassurances over and over again. Our assigned counselor, Susan Granger, also kept in constant contact and kept me apprised of each new development. When the first offer of resolution was too much for us to consider, U.S. Loss Mitigation kept at the negotiations until we were satisfied that we had received the solution that would best help us recover and get back on the right track. They have a unique understanding that a resolution that doesn't improve the situation far into the future and is more than a quick fix isn't really a solution at all.

I can sincerely say that U.S. Loss Mitigation kept every promise they made and made no promises they couldn't deliver. The fee at closing was beyond reasonable and worth every penny. Every single person I dealt with at U.S. Loss Mitigation was professional and understanding of the anxieties and stresses of our situation. Within two weeks of my initial contact we were near a resolution and the incredible stress had been relieved. Our sale date was postponed while arrangements were made for a reasonable payback and the final paperwork was put in order. There is no doubt that with the final resolution, we will be in better shape financially than we were when we started this.

U.S. Loss Mitigation is that rare company that actually does what it says it can do and extends itself to care about their clients. Although I went into this agreement with a lot of skepticism and natural wariness of dealing with an internet contact, my expectations were exceeded time and time again. I give my U.S. Loss Mitigation Services my highest recommendation and I hope if you find yourself in a situation where you might lose your home due to foreclosure that you give them a chance to help you. A few weeks ago I thought we were close to losing everything we had worked so hard for, and with the help of U.S. Loss Mitigation we are back on track and looking forward to a very happy ending! Thank you to everyone at U.S. Loss Mitigation and to Mike and Susan in particular.

Sincerely yours,

Tammy

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November 9th
To Jennifer, Leah & the staff at US Loss Mitigations:

Thank you for all of your hard work to save our home. With only 10 days before a scheduled auction sale, your company went into action with Countrywide Home Loans with what would prove to be a most difficult task. Countrywide was not receptive to say the least. An agreement was finally reached which we thought settled the matter. A couple of days later, 24 hours before the sale, we were informed the agreement had been turned down by Countrywide. A last, frantic ditch effort led to reconsideration and eventually a reversal of their decision.

I’ll never forget the call from Leah at the US Loss Mitigation saying the sale had been postponed! Just as important was a human voice on the other end of the telephone that genuinely cared.

Thanks forever!!
Angela S.

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To Whom It May Concern:

I would like to share my experience with Schultz and Schultz Enterprises, Inc. I was experiencing a financial hardship and my home was in foreclosure (SET FOR AUCTION ON 4-21-98 @ 4:00PM). I contacted a Consumer Credit Counseling Service a non-profit service for assistance. There I spoke with a representative, who referred me to Mr. Stan Schultz. After explaining my situation with Stan Schultz and completing the applications he sent to me he was able to work with me to get an agreement with the mortgage company. He contacted the mortgage company and the attorney's office who was handling the foreclosure as well as HUD representatives and finally the investors. Stan Schultz then using his expertise in loss mitigations worked diligently with them to come to an agreement with them, that I was eligible for a Partial Claim.

However, before that was done the day prior to the auction date of my home the mortgage company neglected to get the paperwork Stan Schultz had sent them to the proper office for approval. Therefore, Stan Schultz contacted the supervisor as well as the investors to correct this problem and expedite the process needed to stop (STOPPED AT 11:30AM ON 4-21-98) the foreclosure auction. I would like to thank Stan Schultz for the outstanding as well as professional job he did in making it possible for me to remain in my home. If ever I can refer or assist him in any way I will be more than happy to do so. Sincerely again thanks Mr. Schultz for all of your assistance in helping me through this difficult situation.

Sincerely,
Janice Q. (northern VA)

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To Homeowner Faced with Foreclosure:

The purpose of this letter is intended to illustrate the successful avoidance of an immanent foreclosure on our home. The specific reasons for the delinquency do not support the purpose of this letter and will therefore be excluded. It should be noted that the situation was generated by circumstances beyond my immediate control.
On or around December 15, I discovered, for the first time, that we were 10 months delinquent in our mortgage payments. The realization that we had to scrape together over $13,000 in order to save our home was at best overwhelming. In our case, borrowing this amount of money was just not possible.

In the 2 days prior to our consultation with Stan, I was ready to give up. I knew that foreclosure was the end. My life was about to change drastically for the worse, and I was preparing myself to accept that.

On December 17 my wife and I met with Stan and were basically informed that he was 99.9% sure he could prevent the mortgage company from auctioning off our home. It all sounded good. I knew that the easiest time to kick someone is when they are down, and at this point I was really down. We agreed at that time to retain Stan as our consultant and provide him with necessary information to commence the Loss Mitigation process in our behalf. Upon leaving this meeting I must admit that I was still skeptical; after all we were talking about saving our future - we were frantic.

After many telephone calls to and from Stan; many letters, notices and messages from our persistent mortgage company; and more worrying than I ever thought possible, our foreclosure was avoided. On December 31 Stan called and told me that the auction was postponed. The scheduled auction date was January 8. Stan successfully negotiated with the mortgage company to perform a mortgage modification on our account. We successfully closed on this modification February 22.

To this date I do not know how Stan was able to accomplish what he did. I consider myself to be of average intelligence and wit, although I was unsuccessful in negotiating with my mortgage company to even return my phone calls. To Stan, I cannot thank you enough. If there ever is a time where my abilities could benefit you, as yours have us I hope you would contact me.

Thank You

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Dear Stan Schultz,

After finding out about this program on television and a friend, we called and setup an appointment. My husband met with Stan Schultz and after speaking with him, my husband felt that there was a possibility we might not lose our home. Because of my husbands illness we were behind several months and facing foreclosure. Stan Schultz asked us to bring in a lot of papers and information and gave us the best way he knew on how to handle our debt. Once all of the paperwork was processed and the payments were made, he reassured us things didn't look so bad concerning losing our home. Stan Schultz knew that I was very worried and he called me to tell me that things looked good so far and that he was doing his best to save our home and he did.

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Mr. & Mrs. Williams 2/28/02

It was very helpful to me to have this office answers questions about procedure and policies and rules and to always reassure me that my problem will be resolved and that I can keep my home through difficult circumstances. I thank everyone in this office for their quality of service to me, during this experience.

Thanks a lot!!
VP

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My experience with Stan Schultz's office was very gratifying I was at a panic when I called the office and I was not sure if I would be able to obtain any assistance after reviewing my situation. I was able to get help Stan Schultz went to bat for me in a real tough time when the VA first approved me and then it was concluded that after they gave a sale date on my house foreclosure was the final decision. But thank God Stan Schultz again went to bat for me and the foreclosure actions was stopped. It was the ultimate peace - of - mind especially when the situation affected my health being a senior my blood pressure was not good. But again give thanks to US Loss Mitigation Services with the help of the Lord I'm back to normal.

Stan Schultz and his staff was a blessing. P.B.

I was in position to loose my home because of several different events that happened. I did not think any one could help until I talked to Stan Schultz he assured me that he could help me save my home. After a couple of month he did just that I was set up on a plan to help me get current with my mortgage and lots of pressure was taken off my shoulders. His staff was very courteous and professional they took care of all my needs and got me taken care of in a very prompt manner. Without them I know I would have lost my home. I give my special thanks to him and his staff and I would recommend anyone in my position to do the same thing I did call Loss Mitigation and Stan Schultz.

J.W.

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I came into this office very dismayed feeling as if my back was against the wall. By this and of my first visit I felt Stan Schultz and his staff had a professional handle on my case. I felt like my case was equally and separately as important as any other case they were working on. My case was resolved in a few weeks and a workable repayment schedule had been obtained. Thank you Karen, Julie and Stan Schultz, for relieving my burden and resolving this problem.

R.D.

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My wife and I had no where else to turn. Stan Schultz advised us of our options. He immediately gave us peace of mind. We were 7 months behind and afraid we were going to loose our home. My wife was a little skeptical at first but when she began to notice everything Stan Schultz had told us was coming to fruition she was ecstatic. Stan Schultz and his staff were real professionals throughout this process. We were able to keep our home without any additional financial distress. If you are someone wondering if you have come to the right place don't waste another thought on it. I can assure you, you have.
S.F.

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My experience with your office took what I thought was a bad situation and financed it into a positive situation they help me see light at the end of the tunnel. This prevented me from losing my home that I had worked hard to get. Your office helped me save it and get me back on track.

D.F.

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US Loss Mitigation assist me in keeping my house. I had missed pay to the mortgage Co. because lost of employment. His office help me thru this trying time and I was able to get the help that I need to keep my home. Stan Schultz helped me to keep my dream. Thank - you very much for me to keep what I always dreamed of having.

V.R.

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My situation was very difficult one, due to the fact; my foreclosure sale date was 15 days away. I was very uncomfortable with other companies stating they could not help and requested me to take bankruptcy or it was just too late. Thank you to all your staff for helping without the need to seek bankruptcy.

M.D.

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Our experience was friendly and very helpful. They were also very professional it seemed as if we were there # 1 concern and they answered all question with no problems. We were in a bad time of our lives it was good to have some one to lean on with knowledge to help us. We are very thankful for all there help.

With thanks and respect. E.B.

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If I had known of Stan and his staff it wouldn't went this far - but it did. The only thing I can say is he is the nicest, honest, sincere, caring, and understanding human being I have ever met. It's like he is caring for his family because he makes you feel like you are part of his family. If I knew of anybody that was in trouble with their home I would recommend them to Stan Schultz without a shadow of a doubt. He saw he and he conquered and proved himself to us. The only thing I can say is "Thank god for Mr. Stan". Because he gave us back our life dream our home.

Thanks again.
From L.P. & M.N.

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I am very grateful for the Ad I saw about US Loss Mitigation. I had no where and no one to turn to for help. Once I contacted the office I felt so relieved to know there was chance for me to keep my house. I am thankful for all their help and it means so much to know there are people who care and understand when things go wrong. I can never thank them enough for listening to my needs and helping me. I did not know all the problems that exist for homeowners until now. I have since told a lot of people hoe US Loss Mitigation has helped me.

Thanks again for your help.
A.R.J.

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My husband obtained the phone number off of a television advertisement. We called, set up an appointment and I was seen promptly. Our situation was explained to Stan Schultz, who then discussed options available to us. We kept in close contact with his office to find out the status of our situation. Stan Schultz and his associates kept very thorough documentation of all phone calls made and received. Once the situation was resolved, the office called us promptly. Everyone at the office of US Loss Mitigation is very helpful and professional.

Thank you for your assistance!
KF

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I saw the advertisement on the television, I thought there was no one that would help and I was going to loose my home. I had nothing to lose so I called U.S. Loss Mitigation. Mr. Stan Schultz got on the phone and I told him of my problem. He intern told me not to worry and I believed him I have nothing but praise for U.S. Loss Mitigation and Stan Schultz. I have my home back and a decent payment plan. I would highly recommend this office and the staff to anyone in a similar situation.

Thank you Stan Schultz.
R.K.

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After finding out about this program on television and a friend, we called and setup an appointment. My husband met with Stan Schultz and after speaking with him, my husband felt that there was a possibility we might lose our home. Because of my husband's illness we were behind several months and facing foreclosure. Stan Schultz asked us to bring in a lot of papers and information and gave us the best way he knew how to handle our debt. Once all of the paper work was processed and the payments were made, he reassured us things didn't look so bad concerning losing our home. Stan Schultz knew that I was very worried and he called me to tell me that things looked goods so far and that he was doing his best to save our home, and he did.

Mr. Williams

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I was 9 months behind in my mortgage and house was about to be sold in fifteen days. Seeking Stan Schultz's office assistance my house was put on hold from being sold; I like to thank Loss Mitigation for taking time to help me, in keeping my home.

G.M.

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We would like to truly thank you from the bottom of our hearts. We would like to let anyone know when times get tough in a situation of this nature to please have patience's because God will not give you more than you can handle. Mr. Schultz's work ethics truly work and we would highly recommend him to anyone who is in any trouble of losing their home.

Sincerely Yours,
D. & K. J.

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Dear Sir,

I would like to take his time to say thank you, just for being a wonderful servant of the people. You've been wonderful helping others keep their homes, when all other doors are shut. It is times like these that we appreciate compassionate individuals who show true Christian spirit and love. You've helped so many people; even through you couldn't help me. I don't want you to stop doing a great work. I pray that you have great health, a long life and that God will render more of his blessings on you.

Thank you again for just considering me and for your interest. I can still have peace knowing that you did show that you cared.

Yours in Christ,
P.W.

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Due to a serious illness, I fell behind several months on my mortgage payments. I was already in bankruptcy, so I saw no way out since I didn't have the large sum of money needed to bring my mortgage current. I heard about US Loss Mitigation Services because I accidentally left my TV on one night. I had fallen asleep and was suddenly and mysteriously awakened to hear the end of an infomercial about this company that helps homeowners who are on the verge of losing their homes. All I could do was to grab a pencil and paper and frantically write down the phone number. After this I fell right back to sleep. When I woke up, I called and made an appointment. It was 2 days later, and I met Stan Schultz and Karen, his secretary. They were both very friendly, professional, understanding and quite reassuring.

Stan Schultz gave me an overview of how the program works and told me what I needed to bring I chose to allow him to work for me. I decided to give him a try. Why? First, because I believe the Lord woke me up to get help from Stan Schultz and his services. Secondly, I was impressed with Stan Schultz's expertise, confidence and professionalism. After returning to him the next day with the necessary papers and after filling out the forms I left with a great burden lifted. Although all of my files were faxed that week to my mortgage company, we heard nothing from them until two months later, when they stated their intentions foreclosing within the coming month. After several calls, Stan Schultz found out that the file had been sitting on the desk of the wrong person for two whole months.

After getting another name, my file was faxed again. This time, there was still another mix - up. My file had to be faxed again. Needless to say, I was stressed out! I was in constant contact with Stan Schultz. At this point, he demanded that he be connected to someone who could shed some light on this situation and approve his proposal. This took several days and much negotiation in order to get an approval. This approval did not come easy. At first it was flatly denied. Stan Schultz refused to accept this denial and to a superior officer. This caused him to go even higher, he finally got an approval after hours of explaining and negotiating with the vice president of the company. My home of 24 years was saved due to the expertise and persistence of Stan Schultz. He and his secretary are assets to persons who come to them in an effort to save their homes I will never forget them. I thank God daily and I thank Stan Schultz and Karen, too.

May God bless them both richly.
J. C.

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Dear Homeowner,

I, too, have been where you are today. I feel that I as blessed to find out about this company. They will help you save your home without bankruptcy. I was helped through US Loss Mitigation Services, in Poquoson, VA. I wanted to share this blessing with others who could benefit from the services of Stan Schultz. I took it upon myself to get some of his business cards to send out. I am not receiving any compensation from him; the Lord has laid it upon me to inform others of this service. It is exceptional! Pray about it and give him a call.

May God bless you. A friend who has been where you are now.
Ms. C.

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When I decided to call the US Loss Mitigation Services our home was going into foreclosure, and we felt like we were at the end of our rope. We had tried many other mortgage companies, loan companies, you name it - we tried it, and were turned down for one reason or another. I called the US Loss Mitigation Services after seeing a TV commercial one morning. At first I was reluctant to call but then I said to my self "what the heck, they can't say but one of two things they can help or they can't and be prepared to pack up and leave our home of 11 years". But to my surprise, I called and spoke to Mr. Stan Schultz, first of all there was some thing about his voice, he showed concern and he told me how his company might be able to help me he made an appointment for us. The day we showed up in his office he was very courteous and this man was really concerned he showed us how he would help. I felt, I can't tell you how I felt. I just thank god for him. The staff and the US Loss Mitigation Services he not only saved our home he also counseled us in our finances so that we don't make the same mistake in the future.

We are really grateful to you Stan Schultz. Thank you.

Sincerely,
Mrs. H.

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I would like to take this time to sincerely thank Stan Schultz for his assistance, diligent efforts, hard work, his acts of kindness and most of all the support. If it were not for his dedication to us we would not be in our home today.

A financial counseling agency referred Stan Schultz to me. I talked with him on the phone the first time and told him my financial problems and that I was severely delinquent with my mortgage payments. I told him I had received a notice of foreclosure from Countrywide Mortgage Co. He explained what he would be able to do to help me get my mortgage payments back on track. It was amazing to me because the mortgage company had refused to make arrangements with me. Stan Schultz was able to get them to come online with a workable agreement.

He told me that he had talked to Countrywide about stopping the foreclosure on my house. Stan Schultz called me at 5:00 PM on March 10, 1998 and said the foreclosure was postponed and that they need additional payment arrangement as soon as possible.

I thank you, Mr. Stan Schultz, very much for all your help and acts of kindness. Again, if it were not for him we would not be in our home today. I wish him much success in his business and in helping others save their homes.

Sincerely,
A. D. J

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I September my wife and I were thrilled to have been blessed the purchase of our first home. We have two children, one of which was an infant at the time, and we felt it best that my wife stay home to care for her. Even though I earned a decent salary, finances were "nip and tuck" and there was little to no room for unexpected expenses. However, this did not keep the unexpected from occurring.
In April, my daughter and wife became ill almost simultaneously which, despite insurance coverage, reaped emergency up front medical cost. As a result, we began to fall behind (just slightly at first) in our mortgage payment. We thought we could still keep our heads above water, but fate had other plans. As the months progressed, seemingly one crisis after another began to hit us, and before we knew it a "snowball effect" had taken place leaving us severely behind in our mortgage. In September, we tried to get our mortgage refinanced in the hope that we could start over with a fresh start. We had been told that we had been approved for the refinance, and we followed every instruction to the letter. Two months down the line we found out that we had been the victim of a scam - this left us in even more "hot water" with our existing mortgage company.

We saw an advertisement about U.S. Loss Mitigation on television one evening, and my wife called them the following day. We made an appointment with Stan Schultz and came in to meet with him to see if he could help us. My wife had already told me how pleasant he and his assistant had been during their phone conversions, and I felt good about seeking their help. We had been through so much tribulation over the past several months, and had dealt with so many people that had either been "nasty" toward us, or had been misleading and deceitful in assisting us. My wife and I felt rather hopeless now, and both of us were extremely afraid that we would lose our home.

In meeting with Stan Schultz our situation was carefully evaluated, and he explained the various options that were available to us. He was very careful to make sure we had a clear understanding of everything, and we began to see a light at the end of the tunnel. Both he and his assistant Karen were extremely positive, and seemed genuinely concerned in helping us save our home. In the weeks following our first meeting, we were kept abreast continually of the status of our case, which left us content that Stan Schultz office was highly competent and committed in finding a solution for our problem. Despite the fact that our mortgage company started foreclosure proceedings, Stan Schultz worked out an agreement on our behalf and we are now in a position to start over making our regular mortgage payments, and we can breathe a sigh of relief.

When unforeseen circumstances hit a family leaving them in such financial ruin that they are about to lose the single most important asset they have, their home, it is comforting to know that there are still people dedicated in working to help them. Mr. Stan Schultz and Karen at U.S. Loss Mitigation are two individuals who are truly in the business of helping families in such a crisis as this. I would highly recommend anyone that is facing such a dilemma to seek their help.

Most sincerely,
Mr. R.J.

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The Loss Mitigation Service helped us out not with only our mortgage but in other bills also because we had got behind in other bills with trying to pay our mortgage but with their help, we were able to pay our mortgage and pay other bills as well, because this program lets you keep paying your mortgage and the behind part of the mortgage, this program allows you to just pay as usually and the program handles the rest. We are very please with the program and would recommend it to any homeowner who qualifies.

Thank You
M. D. Y.

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Schultz and Schultz Loss Mitigation Services was a lifesaver for me. My world was crashing down around me and I needed someone to help me save my house from imminent foreclosure. My house is all that I have to leave as a legacy for my children and I was very close to losing my home because I had gotten behind in my mortgage payments. My back was against the wall and could not see a way out of this predicament. A friend referred Stan Schultz to me and he was a godsend to me.

Stan Schultz and his secretary, Karen was sympathetic, supportive and accessible during that tumultuous time. I was able to get an appointment in a timely manner and was treated with the utmost respect during the intake and application process. They were with me every step of the way - guiding, counseling and offering reassurance that my house could be spared from foreclosure. I appreciate Loss Mitigation services for their expertise, professionalism and integrity in negotiating with my mortgage company. I would recommend Loss Mitigation services for anyone who is in the process of losing their home.

Y. E.

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To Whom This May Concern:

In April of this year my life took a terrible change. My spouse and I separated and my bills accumulated, which became a big problem with my mortgage company. When I was capable of making their payment on my mortgage it was too late and they decided to foreclose on my house. However, there are still a lot of caring people and Patty at Countrywide Home Loans is one of them. She listened to all my problems and then referred me to Stan Schultz's Loss Mitigation Services. I talked to Stan who reassured me that I had a chance of keeping my house through various sources. Well everything worked out for the best for my family and I owe a lot of thanks to Stan Schultz and I know behind a great leader there are followers and I thank you also, Karen. The foreclosure was stopped 2 days prior to the auction date. I really appreciate everything that Stan Schultz and Karen did for us and I know that you will be blessing to other families like you were to us. Thank you!!!!!

Sincerely,
K. B.

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We would to commend you on the excellent service that you provided to us. My husband and I had experienced a temporary set back in our financial situation and within just weeks we were about to lose our home. We saw your advertisement on T.V., we decided to call and we were seen right away! You made us feel so special. We have dealt with many professionals and I can honestly say that before we met you, we had never received such high quality service as we received from you and Karen. Losing a home is never a pleasant experience but while going through the process to help us save our home it was very pleasant one. You all made sure we were fully aware of the entire process and informed us from the very beginning what would be expected of us. Because our file was handled in such a professional and timely manner our loan was reinstated with Norwest (now Wells Fargo) mortgage and the process was a lot shorter than we anticipated! We thank you for your time your patience, your understanding and your strenuous and successful efforts to help us save our home! God Bless.

Sincerely,
B. & W. M.

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To Schultz & Schultz,

I just want to take the time to say thank you to Stan Schultz and staff for all the help you have given me. I came to Stan Schultz back in late February with a huge problem, I was about to lose my home and I did not know what to do. I had gone to several places and still no one could help me. My husband saw a commercial on television about Stan Schultz and it listed mitigation services. I said at that time I would try anything to keep my home. I made the appointment with the office, I was advised on what to do and I followed the instructions as they were given to me. I was in default, my husband had no job at the time, but Stan Schultz informed me on what to do and how he could help save our home. I am here to tell you he can work it out. Here it is seven months later I am still in my home and now starting fresh with some change left in my pocket. So if Stan Schultz says he can help then he will do just that. May God keep him in what he is doing for people because it is a blessing to us all to have someone who cares about helping others. May God bless him and his staff; they are such nice people to work with.

Yours truly,
JM

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June 22
To Whom It May Concern:

I would like to take this opportunity to thank Stan Schultz and Karen for their assistance in saving our home. When my son and I found out our house was being foreclosed on, I panicked. I made a few phone calls to different agencies and was told they were not able to help me. I became very upset. One of the agents referred me to Schultz & Schultz, US Loss Mitigation Services. By this time, I really didn't think anyone could help us so I didn't call Stan Schultz right away. The neat thing I knew, my phone rang and it was Stan Schultz. He told me what I needed to do and met with him at his office in Poquoson. We completed the paperwork and he contacted my mortgage company. The sale date for my house was the first week in January. Stan Schultz put a hold on that at the end of December. What a Christmas and New Years presents for us. A loan modification was done and I made my own first mortgage payment June 1st. I felt great! I really appreciate everything Stan Schultz and Karen (secretary) did for us and I would definitely recommend their services to anyone in need.

Sincerely,
Catherine and Jeremy of Virginia

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March 9th
To whom it may concern:

They say that every one has a guardian angel that looks after them. It must be true because I was blessed to meet mine face to face. His name is Stan Schultz. Stan Schultz was recommended to me by someone that said if he can't help you I don't know what your options would be. I was 8 months behind on my mortgage and had failed in getting a loan to bring my mortgage current. I had received letters saying my home was up for foreclosure and a sale date was set for March 4th, at 2pm. I had a FHA loan. Stan Schultz negotiated with my mortgage company, I qualified for a program and the sale of my home was stopped at 9am on March 4th. I will always be externally grateful for my angel. With out his help, the last 15 years in my home would have been just memories.

Sincerely,
Pearl Moore

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Dear Stan Schultz:

This letter is to express my appreciation and proclaim the excellent work that was provided by your company. I had tried communicating with the mortgage company to no avail and my situation was becoming very serious. It was truly a blessing from God that I was referred to you for assistance. After my first interview with you and the explanations you gave, I left feeling reassured that everything would work out. The negotiations you made were excellent. I am able to retain my property. I will gladly recommend your services to everyone that I know that encounters the same situation I had.
Again, thank you for you assistance and may God bless you.

Sincerely,
T. A. - Virginia.

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To whom ever this letter may concern:

"When I heard of the US Loss Mitigation Office I thought I would give them a call. When I called Stan Schultz the senior loss mitigation specialist, he sounded just as if I had known him for years. He was kind; he made it easy to go through such a rough time. I was on maternity leave with no income and my husband lost his job. Even though we did not qualify at first he informed us to return once an income started coming in again. I soon went back to work and my husband found a job. We went back to Stan Schultz and he qualified us for assistance. I was comfortable giving him this personal information. Stan Schultz took my information and immediately started calling my mortgage company (FT Mortgage) to stop the foreclosure action or to put it on hold.

There was a delay in the process because of the false information given to my husband and I from the mortgage company's representative. We were told to deal with them only. Lender also demanded approximately $1,800.00 by the day prior to the sale on May 10th, - we did not have this. We met with Stan Schultz again and explained what was told to us. Stan Schultz called HUD headquarters and put them on conference with us to help us understand that our mortgage company should not be telling us this information. Mr Schultz corrected this problem quickly. FT Mortgage company called and assigned case to new representative and canceled sale of our home on May 11th. Our mortgage was redone and brought current with FT Mortgage Company. We did not have to pay the $1,800 at that time as lender required us to. Everything went perfectly. NOT A PROBLEM NOW. Thanks to Mr. Schultz. He's a lifesaver. I would not have had it done another way.

Thank you.
Mr. & Mrs. Hooks

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To Whom it May Concern,

I would like to take the time to tell you how Stan Schultz and his people have helped my family and me. When I contacted Stan Schultz we were three months behind on our mortgage and were going to be put into foreclosure. Stan Schultz helped us where no one else could, our process took over twelve months to correct and Stan Schultz was always there to answer any of my question or concerns. Today we are current on our mortgage and will be from now on thanks to Stan Schultz. If I ever know of anyone in our situation I would recommend that they talk to Stan Schultz. He always took the time to calm me down when I was upset. I would just like to close this letter by saying THANK YOU!!!

Most sincerely,
A.Green (NJ)

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Stan Schultz,

I would like to express my sincere gratitude to Schultz and Schultz Inc. on their diligent efforts, hard work, act of kindness, and most of all, the support and generous manner in which they helped me during my crucial time of need.

I financial counseling agency referred Schultz and Schultz Inc. to me. I spoke with Stan Schultz, and told him about my financial problems I was having, and about being behind on my mortgage, he told me that he could help me. He faxed the forms I needed and asked me to send them back as soon as possible.

I was delinquent with my mortgage payments. My inability to sustain my mortgage payments resulted from family problems.
Stan Schultz then started prioritizing my goals and assessing my options. I was finally talking with someone who could help me, and know what he is doing.

Stan Schultz was always confident in my ability to same my home and it was his assurance that provided me with determination that I could. With his help I was able to resume mortgage payments without suffering of my finances and payment date. That fit my pay schedule perfectly.

In conclusion, I would like to say thanks to Stan Schultz for all the help and acts of kindness he displayed to others and me.

Sincerely,
F.G. (NY)

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To Whom It May Concern:

I would like to take this opportunity to express my gratitude for the assistance that Mr. Stan Schultz has provided my family in the matter of preventing a foreclosure on my home. I had spent many months of trying to work with the mortgage company and having found the Veterans Administration personnel unwilling to assist me as I felt they should - I was ready to accept the fact that I was to lose the house.

I was given Stan Schultz's name by a lending agency and I contacted him to see what assistance he might be able to provide. He responded in a very positive way, explaining what he could try to do for me.

He met with my wife and myself and told us what documentation we should provide and what to expect. Stan kept on top of the problem and the result was that we have managed to get a VA refunding that allowed us to keep the house. I would like to say that he kept at it until the matter was resolved. In our case, we were literally at the wire, with the matter being resolved at 4:00 pm on the DAY BEFORE THE SALE.

I can state without reservations, that even though I had tried to work the system with the Veterans Administration without success; it took Stan's persistence, extensive knowledge of the system and contacts with responsible individuals to make it work.

To this end, I can only say that I would readily recommend him to anyone who has a mortgage problem at any stage/point to assist them because I have seen what can happen when a person of his professional caliber takes his job seriously.

Sincerely,
John Morris (Virginia)

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To whom it may concern:

I would like to take this opportunity to show my gratitude to Mr. Stan Schultz in regard to the manner in which he handled my recent problem with my mortgage being delinquent with Fleet Mortgage Group.

I had become severely behind with my mortgage payment and the loan had been placed within the foreclosure department at Fleet Mortgage Group. Stan Schultz diligently remained on top of the situation and provided up to the minute feedback regarding the status of my situation, sometimes two and three times a day. I was referred to Stan Schultz by United Mortgage Company, and clearly it was a blessing in disguise, because had not my wife and I been referred to him, I would have lost the house. Mr. Schultz was very impressive from the start to the finish by explaining what he could do and pretty much guaranteed that my wife and I would not lose the house. He came by my house and explained everything that he would be able to do to help us go get our mortgage payment back on track. It was amazing to me because the mortgage company had refused to make arrangements with me but Stan Schultz was able to get them to come on line with a workable forbearance agreement.

I have to take my hat off and salute Stan, because as stated above, had it not been for him I would be on the streets by now. I know for a fact that if more people were aware of what this fine young gentleman can do to save a home, there would be many who wouldn't lose their homes. As I've said over and over, good people who have paid their bills on time in the past do run into financial difficulty, and quite often, their lenders don't want to help bail the individual out. Believe it or not, unless you have been in my situation, you just don't know the sleepless night a person would have when a foreclosure is looking at you from arms length distance. The sad commentary is that, in most cases, no one will tell you that there is help out there, if you only know where it is. So, in closing, I will say that Stan Schultz is the person who can get you back on track. My thanks to Stan are forever from me and my wife.

Sincerely,
Theodore Harris (Virginia)