Welcome to The Law Offices of Thomas R. D'Arco

The legal team at The Law Offices of Thomas R. D'Arco is at your service. We specialize in Loan Modification, Second Mortgage Forgiveness, Principal Reduction, and Credit Card Settlements. 

the d'arco team is saving homes across america

An Example of How We Help Homeowners:


The following example is drawn directly from the actual case file of a recent client. No details have been altered, exaggerated, or embellished.


Our client had purchased a home in 2006 for $1.3 million dollars. After three years, the value dropped to $750,000.


> The client found himself saddled with a first mortgage of 1 million dollars with Bank of America, with a monthly payment of $5,000.


> The client also had a second mortgage of $248,000 with Wells Fargo, with a monthly payment of $1,200.


> In addition, this client had $50,000 in credit card debt.


Results Achieved:


> We convinced Wells Fargo to accept $24,800 instead of $248,000 through a buyout of his second mortgage. This buyout - at 10 cents on the dollar - saved our client $223,200, and eliminated the burdensome $1200 monthly payment entirely.


> We negotiated a modification of his first mortgage with Bank of America, cutting his monthly payment from $5000 to $3600 a month (a 28% reduction on the first mortgage).


> Finally, our client's credit card debt of $50,000 was reduced 80% to a manageable settlement of $10,000.


In sum, our client’s monthly payment was cut by $4000/month, and we eliminated over $300,000 of debt. 

saving american homes is saving american families

Our services are available to Americans in all income brackets, from those with multimillion-dollar properties, to starter-homes belonging to first-time home owners, and everything in-between.


In this economy, it makes very little sense to pay more than you can afford for a property purchased in better times.


If you've tried it alone, you know that loan modification is a very difficult process to navigate. The banks have full-time professionals working to protect their interests, so why shouldn't you?

loan modification law firm in los angeles

Who We Are


The Law Firm of Thomas R. D'Arco has more than 40 years of experience in real estate law.


We handle cases related to the mortgage lending industry. Our veteran team is highly specialized in loan modification, lien stripping, and credit card settlements.


If the value of your property no longer secures your second mortgage and/or third mortgage, then the mortgages can be paid off for 10 cents on the dollar - or even less in some cases.


We are very proud of our proven results. We recommend that you act now, while home values are down.



debt settlement eliminates second mortgages

What Sets Us Apart

We exhaust every tool and tactic available to us under the law to keep you in your home until we can achieve a result that will dramatically improve your financial situation.


If you think you may be a candidate for loan modification, principal reduction, second mortgage forgiveness, or credit card debt settlement - you should call immediately for a detailed assessment of your options.


There is no charge for an initial consultation.



DIRECT OFFICE LINE: (818) 436 – 2764


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