Complaint Review: Law Offices of Anthony Inserra

Mr. Inserra was retained to file a bankruptcy in NY state for us. We had explained repeatedly how years ago, we had to file bankruptcy and our vehicle was never reaffirmed. They assured us they would take care of it. Prior to filing bankruptcy, we did a loan modification to lower our payments for 6 months, to allow us to save some money to move from NY to CA, as my active duty husband was being medically discharged. We told Mr. Inserra's office this before filing. We contacted Mr. Inserra's office every month to find out when the paperwork would come in to sign to reaffirm our 2007 Chrysler Pacifica, so that we could keep the vehicle. They told us that they would call Santander, the finance company, and find out where the paperwork was. They said this every month. We also called Santander to request the paperwork be sent every month. They told us they emailed it on May 11, 2012. Mr. Inserra's office received the paperwork, but said they did not at first. Our bankruptcy was discharged May 14th, which made it too late to reaffirm the loan. When I contacted Mr. Inserra's office, he said they contacted them via email and mail, but had not called the company, and that with our modified payments, we wouldn't have been eligible for a reaffirmation, which was not what they told us. Santander, upon receiving notice of our bankruptcy and desire to reaffirm the loan, canceled our modification of payments, but did not notify us, as all communication had to be done through the attorney's office. Had Mr. Inserra's office called them, they would have been told this so that we couldve made the full payments, and the reaffirmation could have been completed.

Mr. Inserra admitted his office dropped the ball by not contacting us, but then dodged my husbands phone calls, until he finally told him he is not allowed to contact his office again and hung up on him. Now, we have a vehicle that will be repossessed and no contract to keep it, and my husband and children are stranded in NY and cannot make it out to CA to our new home. We have no extra money to pay a down payment on a new car, as it was going to the modified payments on a vehicle we thought we were keeping.