* The testimonials represent the results obtained for some of the Law Offices' clients. It is not indicative of the results that may be obtained for any particular client, since each client's situation is unique. Moreover, this list does not and is not considered to be representative of what result may be obtained for any particular client, nor what result may be obtained from any particular lender.

"Thank you all for saving our home.  We are so thankful!  Blessings to everyone."

Mr. and Mrs. C.

"Mr. Ripley & Staff,

Thank you for all your work.  We have been fighting to save our home and thanks to all your hard work we are now able to stay."

Thank you!
- R & I

"Your devotion & dedication in helping people like us is whole-heartedly appreciated.  Thank you so much!  You have a great, wonderful team of professionals!

Special thanks to Nelia & Debbie who guided, assisted & did all the paperwork for us from the start through the final successful completion & approval of our papers.

Wishing your business a brighter future this New Year and all the coming years so that you could continue helping others."

R & E

"On behalf of my husband and I, we would like to thank your good office and your staff for providing us the best modification service in town. Words are not enough to describe how lucky and grateful we are.

With the help of your professional staff, your company gave us big hope to move forward and we were able to start fresh again.

From the bottom of our hearts, a million thanks to you all. May God shower you all with abundant blessings!!!"

Charlie & Angela

"For two years, we tried unsuccessfully to obtain a loan modification on our own. When we finally fell behind, we enlisted the help of government programs. They were absolutely useless and disorganized. When we were approximately 30 days from losing our house, we called the Law Offices of Michael Ripley. We were met with warmth, understanding, and the highest level of professionalism. The staff helped us, provided us with immediate reassurance, and within 3 weeks we were able to move forward from the two year nightmare with a loan mod. We can stay in our home and raise our family in the place we envisioned. We can't thank you enough!"

- C.P. and family

"Our experience with your office was very positive. Your office staff are professional and always providing updates on our status regularly. We were very excited about the loan modification approval your office got for us. Our payments decreased from $5,061/month to $3,982/month. We will definitely refer our friends and family!"

~ S.S.

"We would like to thank the Law Offices of Michael E. Ripley. We came to them with hopes of getting a loan modification after unsuccessfully trying for loan mod on our own. The team of Nelia and Dave worked so hard with our paperwork and diligence with the banks, to persevere with all the needed documents to successfully have our loan modified after being previously denied twice. This was a huge relief from the predator loan and payments we had been making. Our loan payments are now manageable and reasonable based on the value of our home. Thank you once again, Nelia and Dave, for your professionalism and expertise to push our loan modification through and for your perseverance to follow-up on the process."

Daniel and Theresa

"We cannot thank you enough for what we were able to achieve from our loan modification. Too bad we did not meet you sooner! We were referred to your office by one of your clients whom you were also helping to get a loan modification. I can never forget the day we walked into your office, because Nelia called our lender (Bank of America) on the spot after working our scenario. I was amazed that the bank quickly put us in the loan modification process after being denied previously on several occasions. Nelia seemingly punched the right buttons on the phone that night! She was right on the money and everything worked out perfectly! We have been denied at least three times prior to going to your office. Genna and Nelia worked and took our case like one of their own and pursued it with their absolute best. They were always there to answer my questions--tough issues. They were always on top of things. Their weekly updates and constant communication with our lender kept us at ease throughout the entire modification process. We were so confident that we would get the results we needed because of all your tireless efforts. The result was a principal reduction of over $234K, an affordable payment at 2.125% principal and interest, and the best thing is that our lender kept our original maturity date. We truly have peace of mind now knowing that we can keep our house and have shelter we can really afford. A job well done!"

Thanks much,

"The load modification that the team at the Law Offices of Michael E. Ripley helped me obtain is a complete life changer, saving me over $10,000.00 a year on my mortgage. Along with their expertise and maintaining constant and effective communication with the lender, they always kept me well informed every step of the way, making the loan modification process a breeze. Most importantly, the team is always looking out for your best interests and will work hard to get the best deal possible for you.

- R.A.

"I would like to take a moment to thank you and your staff for your outstanding work, my utmost respect for your professionalism and honesty, for understanding our needs and treating us as human beings. I am very pleased with the positive outcome of the negotiation with Chase. I will keep on recommending this law office to friends in need. There are many other things I could add, but mainly I'd like to say thank you again Nelia, Genna and team for all your good hard work. This has been a difficult time for us but you have made it less stressful."


"We were so pleased with the commendable services that we received from your Loan Modification Department. From being knowledgeable, straightforward, informative, prompt and dedicated; the employees really know the ins and outs of the whole process of the loan modification business and transactions. From Nelia Castra, Dave Rossi and the rest of your staff, we thank you so much for the great help you have given to our family. Job well done."

Mr. & Mrs. G.

"When I first came to you, I didn't have high hopes, but you and the other staff members gave me strength and drive. You were all supportive and helpful. I got a GREAT modification due to your persistence and ability. Using the Law Offices of Michael E. Ripley was by far my best decision to save my house and anyone trying to do the same would be wise to hire you and not do it themselves. Thank you very much for all your efforts."

- Martin

"At first I was skeptical that anyone could get a loan modification and especially given my personal financial situation. That said, after much work on the part of the Law Offices of Michael E. Ripley, I was able to secure a loan modification for my first mortgage that enabled me to keep my home."

- J.B.

"Mr. Ripley's office worked hard and diligently with us when it seemed all odds were against us. Having been denied numerous times prior to Mr. Ripley's office taking over, Mr. Ripley's office was able to obtain a suitable loan modification for us. Our old monthly payment was $2,200.00 interest only. Now our new modified loan payment is still $2,200.00 which now includes interest, principal and escrow."


"Thank you so much for helping us get a positive and outstanding result on our loan mod. We could not have gotten this without your professional guidance and tireless efforts working with our lender – Bank of America! You were always on top of things! Job well done."


"I would like to thank your office. I am stress free now, not worrying anymore about foreclosure. Your staff was professional and you updated us every time of our modification. Again, thank you and thank you."

- E.S.

"I am so happy to have had the pleasure of working with the Law Offices of Michael E. Ripley on my recent loan modification. The team of experts surpasses all! During the process they always had a 'we will make this happen' attitude…and they did! Results speak volumes and I couldn't be more pleased. I can stay in my house and afford the payments."

Thank you,

The Law Office of Michael E. Ripley focuses on loan modifications and serves clients throughout Southern California, including the East County and North County areas in San Diego, California, which includes: the cities of San Diego, Del Mar, La Jolla, Carmel Valley, Chula Vista, El Cajon, Carlsbad, Oceanside and San Diego County.