We get it. You have questions. We have answers.
Millions are facing foreclosure, and millions more are contemplating it, as of 2008 more than 20 million hardworking Americans will be upside down in their homes, and this number keeps growing, this is more than half of all homeowners! Foreclosure, whether involuntary or intentionally is a stark reality for you right now, BUT if you are like so many you have questions and you are wondering what really happens when you stop paying your mortgage, then you have found the right resource…A LAW FIRM with experienced real estate attorneys to answer your questions, not some fly by night LLC that put up a website to make a quick buck off of others misfortune. We are here to help and the best news is that we can help.
Our attorneys have over 60 years of combined legal experience in many areas of the law and we have been helping people just like you get your questions answered and move forward to resolve your personal real estate dilemmas. In many areas of California the foreclosure rate is 1 in 33 homes, so you are NOT ALONE, and you should not feel guilty for contemplating walking away from your home, your sanctuary that has now turned into a nightmare. We have spent months researching all of the issues, the consequences, we have been asking questions, pouring over legal code sections and getting answers, answers to the questions that you have!
We have been there; we are not immune to the same real estate problems that are plaguing millions; the adjusting mortgage, the home with no equity, the bad loan. Everyone is looking for the best solution to their problem; their problem of throwing good money at a bad problem…sometimes the answer is to walk away, but it is not always without repercussions. It is not pictures of happy families just walking away from debt worry free, there can be consequences…we can inform you of these consequences and allow you to make an educated decision on how to handle your own situation. Everyone’s situation is different; we have answers for all situations. We are here to help you get back to living your life, let us help you with your problems.
We have several affordable options to assist you; stop worrying and start acting. Don’t wait any longer, it will only get worse.
Our HomeFree Walk Away Toolkit™ includes invaluable information and advice, good and bad, it is all laid out for you, to educate you, to allow you to evaluate all of your options and choose the one that works best for you and your personal situation.
Includes:
- A one-on-one Question and Answer session with one of our experienced real estate attorneys; ask your questions and get answers; find out if your lender followed the appropriate steps, many lenders try to pull a fast one on unsuspecting homeowners, find out if yours is playing by the rules.
- Invaluable advice concerning all of your options in dealing with your real estate issues; you have heard all of the lingo, now find out what they all mean, how likely they are and how they will affect your credit and whether your lender can come after you for a deficiency.
- Short Sale
- Foreclosure
- Deed-in-lieu of Foreclosure
- Partial HUD Claim
- Loan Restructure
- Loan Modification
- Forbearance
- A frank discussion of what recourse and non recourse loans mean, instructions on how to read your Deed of Trust mortgage note to find out what sort of loan you have to answer your burning question; can my lender come after me for the deficiency in a foreclosure or short sale?
- Tax ramifications and examination of IRS code pertaining to deficiencies and owing tax on the difference. However you should always consult with a CPA.
- Examination and detailed information on applicable California Code of Civil Procedure codes.
- If you are faced with, or are considering a possible bankruptcy in the future, an explanation of the bankruptcy process, and what it entails. While the laws have changed, you can still file and start over with a clean slate.
- A relationship with our law firm.
- Explanation and timeline of how long you can live in your home, for free, with a foreclosure.
- And More!