thank you

“Josef has been a tremendous resource in helping me decide whether I should let my underwater Worcester MA investment property go into foreclosure. He clearly outlined the implications of doing so, resulting in possible deficiency judgement against me for the bank’s losses (most likely 100K+) or forgiven debt (issuing IRS Form 1099) which is taxable as ordinary income. I thoroughly recommend him for advice on foreclosure and bankruptcy cases, and I am sure I will rely on his expertise in the future.”

WORCESTER, MA

“We used a company in California to help us with our mortgage. They basically took several thousand dollars and did nothing. We found out later that there is not a lot they can do when they are out of state. We saw Attorney Culik online and after meeting with him felt comforted that he would actually be able to help us. We were at our wits end because our home, which we had put all our life’s savings into, was about to be foreclosed on. Both are jobs had cut our hours but at least we were both still working. We wanted our children to grow up here and our hearts were breaking as our kids have started to show that they feel the strain and burden too. Attorney Culik truly came through for us. He is not only a good lawyer but a good person. Our foreclosure was immediately put off and we now have a modification in the works that will work for our budget. Big sigh of relief. Attorney Culik knows his stuff and seems to be very aggressive in going against these big mortgage banks.”

CAMBRIDGE, MA

“I couldn’t afford my mortgage because I lost my job. I was going to be foreclosed on. Attorney Culik helped me get a lower interest rate and a lower payment and stopped the foreclosure.”

QUINCY, MA