Justia Legal Services & Lawyers Directory

I graduated from Massachusetts School of Law in 1996. Since graduation, I have practiced Bankruptcy almost exclusively. Within the context of Bankruptcy, I also deal with predatory lending, mortgage modifications and similar issues.

On November 6, 2006, I became the first bankruptcy lawyer in Massachusetts in the last twenty years to argue a case before the US Supreme Court.

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champion your rights

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Whether you're struggling with your mortgage, starting a business, you've been unfairly treated, or you're trying to provide for your loved ones, Attorney Josef Culik is a Massachusetts lawyer who can help you.

By building a personal connection with his clients -- just like you -- Attorney Culik works with them to define their goals and then work to achieve them within the legal system.

A creative, forceful, hardworking, and conscientious advocate, Attorney Culik personalizes your legal services to achieve maximum results while ensuring that you are kept up-to-date on your case.

The philosophy is simple: by providing personalized, high-quality, and affordable legal services, you will be satisfied enough to use him again the next time you need a lawyer.


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Loan Modification and Mortgage Foreclosure Prevention

Home is where the heart is -- Attorney Josef Culik understands that, and he will work with you to help you save your house. He is experienced in negotiating with lenders and banks. Don't let the mortgage company take your home.

* Foreclosure prevention
* Loan modification
* Deeds in lieu
* Workouts
* Refinance
* New government programs to help borrowers like you
* Bankruptcy
* Start over - You might be able to get the overdue balance put at the back of your mortgage

Don't waste time. Attorney Culik will fight hard to save your home. Contact him now.


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Services offered include refinancing and loan modification under President Obama's Making Home Affordable program; foreclosure prevention; performing forensic examination of mortgage documents; analysis for Truth In Lending Act and RESPA violations; evaluation for unfair and deceptive practices under M.G.L. Chapter 93A; inspection for predatory lending under M.G.L. Chapter 183C; negotiation with loan lender or servicer for a workout, forbearance, or deed in lieu; budget analysis for implementing a loan modification or workout plan; and lawsuits to enforce your legal rights. This notice complies with 940 CMR 25.03.

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Locations

Proudly serving the Boston, Massachusetts area, the North Shore, Cape Ann, Essex County, Suffolk County, and Middlesex County, including Amesbury, Andover, Beverly, Boxford, Byfield, Danvers, Essex, Georgetown, Gloucester, Groveland, Hamilton, Hathorne, Haverhill, Ipswich, Lawrence, Lynn, Lynnfield, Magnolia, Manchester, Marblehead, Merrimac, Methuen, Middleton, Nahant, Newbury, Newburyport, North Andover, Peabody, Pigeon Cove, Prides Crossing, Rockport, Rowley, Salem, Salisbury, Saugus, South Hamilton, Swampscott, Topsfield, Wenham, West Boxford, West Newbury, Acton, Arlington, Ashby, Ashland, Ayer, Bedford, Belmont, Billerica, Boxborough, Burlington, Cambridge, Carlisle, Chelmsford, Concord, Dracut, Dunstable, Everett, Framingham, Groton, Holliston, Hopkinton, Hudson, Lexington, Lincoln, Littleton, Lowell, Malden, Marlborough, Maynard, Medford, Melrose, Natick, Newton, North Reading, Pepperell, Reading, Sherborn, Shirley, Somerville, Stoneham, Stow, Sudbury, Tewksbury, Townsend, Tyngsborough, Wakefield, Waltham, Watertown, Wayland, Westford, Weston, Wilmington, Winchester, Woburn, Aberdeen, Allston, Ashmont, Back Bay, Beachmont, Bellevue, Brighton, Cedar Grove, Charlestown, Chelsea, City Point, Clarendon Hills, Cottage Hill, Cottage Park, Court Park, Crescent Beach, Dorchester, Dorchester Center, Dorchester Heights, East Boston, Egypt Beach, Fairmount, Faneuil, Fields Corner, Forest Hills, Fort Dawes, Fort Independence, Fort Warren, Franklin Park, Germantown, Grove Hall, Highland, Hyde Park, Jamaica Plain, Jeffries Point, Lower Mills, Meeting House Hill, Mount Bowdoin, Mount Hope, Mount Ida, Neponset, North Brighton, Oak Island, Orient Heights, Point of Pines, Point Shirley, Readville, Revere, Roslindale, Roxbury, Roxbury Crossing, Savin Hill, South Boston, Stonybrook Village, Suffolk Downs Station, Uphams Corner, West Roxbury, Winthrop, Winthrop Beach, Winthrop Highlands and beyond.