Foreclosure Prevention, Bankruptcy, Loan Modification, Short Sale, or Debt Consolidation.
Our attorneys and legal staff can negotiate with your creditors and mortgage lenders to stop harassing phone calls and help get your life back on track. If you need information on Loan Modifications, understanding Bankruptcy Laws, or would like to know more about the new Government HAMP Program for Principal Reductions and mortgage payment forgivness we can help....
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Foreclosure Prevention, Bankruptcy, Loan Modification, Short Sale, or Debt Consolidation.
Bankruptcy Information, Loan Modification, Foreclosure Assistance, & Foreclosure Help by The Feldman Law Center
The Feldman Law Center focuses in helping individuals and companies with comprehensivebankruptcy information and understanding foreclosure laws and your foreclosure rights to help you avoid foreclosure. We focus on finding the best solutions and optimal outcomes for both consumer bankruptcy and business bankruptcy. This website presents material information relevant to debtors, creditors, and trustees who are contemplating or are involved in a Chapter 7, Chapter 11, or Chapter 13 bankruptcy filing. Throughout this website visitors will be able to find answers on the process involved in each type of bankruptcy and which type of filing will provide the best outcome for their specific circumstances.
Despite the rumors and the overhaul of the bankruptcy code in 2005, relief for individuals and businesses is still available under the protection provided by Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings. The types of relief available include the elimination of credit card debt and medical bills, restructuring of home mortgages, and the elimination of unsecured second mortgages. Borrower's were caught up in various types of mortgage loans that may have adjusted or have recast dates, causing severe hardship due to the inability to refinance. While relief is still available, the process has become more complex and burdensome with tougher eligibility requirements prior to filing and considerably more documentation after a bankruptcy declaration. It is important to consult a bankruptcy attorney early on if you are experiencing signs of finanancial hardship.
For these reasons, more people are using a bankruptcy attorney to help them navigate their way toward the right type of bankruptcy and through the ensuing process. While each bankruptcy has its own set of protocols, the quality of the assistance an individual or business receives during the process can minimize costs, eliminate mistakes, and make a huge difference in the eventual outcome. Many people believe that by filing bankruptcy you have to surrender your home, your car and your other assets. This is simply not true, unless you can no longer afford them under a chapter 13 bankruptcy or protect them by filing chapter 7 bankruptcy . Bankruptcy lawsare there to protect consumers from their creditors. A Bankruptcy Attorney can run a means test and determine what you qualify for. In many cases you may have to do some pre petition planning to set up the proper filing. If you want to keep your home and/or vehicles, and you are employed, a bankruptcy attorney can plan for a chapter 7 or chapter 13 bankruptcy . Proper planning for bankruptcy will help you in a repayment plan to find out how common bankruptcy is Click here
If you are a resident of Southern California and want to know how to avoid foreclosure or may need help with bankruptcy information or understanding bankruptcy laws in Orange County, Los Angeles County, Riverside County, San Bernardino County, San Diego County, Ventura County, Santa Barbara County. We also offer bankruptcy information and help to residents in the following Central and Northern California counties: Alameda County, Alpine County, Amador County, Butte County, Calaveras County, Colusa County, Contra Costa County, Del Norte County, Eldorado County, Fresno County, Glenn County, Humboldt County, Imperial County, Inyo County, Kern County, Kings County, Lake County, Lassen County, Madera County, Marin County, Mariposa County, Mendocino County, Merced County, Modoc County, Mono County, Monterey County, Napa County, Nevada County, Placer County, Plumas County, Sacramento County, San Benito County, San Francisco County, San Joaquin County, San Luis Obispo County, San Mateo County, Santa Clara County, Santa Cruz County, Shasta County, Siskiyou County, Solano County, Sonoma County, Sierra County, Stanislaus County, Sutter County, Tehama County, Trinity County, Tulare County, Tuolumne County, Yolo County, Yuba County. Call us today at (800) 527 8497 to see what kind of relief and protection is available by filing a Chapter 7 Chapter 11, or Chapter 13 bankruptcy.
Loan modifications and bankruptcy protection are the main focuses on our website and we offer plenty of loan modification tips on how to avoid foreclosure and how to qualify for a loan mofication, however; we do provide our clients with proper legal advice and share expertise in the areas of real estate transactions, mortgage negotiations, short sales, bankruptcy and debt settlement. The Feldman Law Center was founded by Steven C. Feldman who has been licensed by the State Bar of California for over 25 years. We are consumer and homeowner advocates that will protect you from home foreclosure with our detailed loan modification program. The Law Offices were established to focus on real estate matters that include debt negotiation, predatory lending violations, settlements and loan modifications and bannkruptcy. We are here to help consumers eliminate debt , stop foreclosure, and fight mortgage fraud.. Learn more about the Feldman Law Center
Avoiding Foreclosure, What are your options as a homeowner?
Do Nothing - The stress of facing foreclosure can push many homeowners into turning their head and letting the foreclosure process run it's course. Doing nothing to save your have is the worst mistake you can make. You can avoid foreclosure with foreclosure assistance by a loan modification attorney. Saving your home from foreclosure should be your top priority. Homeownership is the key to financial wealth, personal health, and a stable family. Why do nothing when we can stop foreclosure today.
File Bankruptcy - While this option may of been very popular in the past new bankruptcy laws and restrictions make this once easy process a little more difficult. Chapter 13 bankruptcy will allow you to keep your home under a plan and eliminate most if not all of your unsecured debt. With Chapter 7 bankruptcy you will need to bring your mortgage current or you must surrender your home. A bankruptcy attorney can run a means test and help you determine your best option. Filing for any type of bankruptcy will get you an "automatic stay" and stop the reposetion or foreclosure process imediately.
Short Sale - A short sale typically is executed to prevent a home foreclosure. Often a bank will choose to allow a short sale if they believe that it will result in a smaller financial loss than foreclosing. The downside to a short sale is that it takes time to sell a home even at a bargain in such a defunct housing market. There are foreclosures on every block, housing prices are rock bottom, and selling a short sale property sometimes can be difficult and can leave you with tax obligations. The entire time the home is on the market you are still responsible for your mortgage payment, taxes, and insurance.
Loan Modification - A loan modification has quickly become the best option for homeowners facing home foreclosure. Loan modifications may not be the only option for homeowners trying to avoid foreclosure due to late mortgage payments. However; it is an option that can save your home while putting you in a mortgage you can afford. So how does loan modification work and who is eligible for a loan modification? Below are some helpful resources to help you understand your options, or visit our loan modification blog for more up to date information on loan modifications.
The most common loan modifications are lowering the interest rate, reducing the principal balance, 'fixing' adjustable interest rates, forgiveness of payment defaults & fees, or any combination of these. A loan modification can help home owners who can't refinance or afford their current mortgage payments. Getting an approved loan modification for troubled home loans can help stop the foreclosure process.
A loan modification with a loan modification attorney may offer a more favorable loan modification agreement than your mortgage lender will offer you directly. With so many home loans adjusting to higher payments a loan workout with the Feldman Law Center, a Loan Modification Attorney, can modify mortgage loan terms fast and effectively. Obtaining foreclosure help and proper legal advice from a loan modification attorney will get you a better loan modification agreement with your lender and may help preserve your credit. If you are already behind in your mortgage payments this may help stop the foreclosure process and help you avoid foreclosure.
A loan workout needs to perform for both parties; your lender does not want your home and to go through the foreclosure process. However, they may not want to accept your partial payment and threaten foreclosure if you are late or in default. We can offer free advise and foreclosure help to homeowners that want to keep their home. Please use our short form above and we'll call you, or give us a call today at (800) 527-8497 to receive a FREE and CONFIDENTIAL consultation.
Be carefull of Loan Modification Companies trying to collect upfront fees!
Consumer Alert! California has just passed a new law that may result in making it more difficult for you to hire a law firm or other company to assist you with your loan modification. SB 94 was signed into law on October 11th by the Governor. Read More.
Bankruptcies and Foreclosures in Orange, Los Angeles, and Riverside County skyrocket While some recent reports are showing that the country may have seen the worst of the latest recession, bankruptcy and foreclosure statistics released for March and the first quarter of 2010 are indicating that consumers, businesses and homeowners are continuing to struggle.Read More
Will Changes in the Home Affordable Modification Program (HAMP) Matter? In an effort to improve on the dismal results of the Home Affordable Modification Program (HAMP), the Obama Administration announced in January 2010 that there would be changes made to the program focusing on speeding up the loan modification process. The changes go into effect on June 1st, 2010 Read More
ADMINISTRATION ANNOUNCES SECOND ROUND OF ASSISTANCE FOR HARDEST-HIT HOUSING MARKETSOn March 29, 2010, building on the first HFA Hardest-Hit Fund, the Obama Administration announced an expansion of the initiative to target five additional states with high shares of their populations living in areas of concentrated economic distress. Read More
Government Bailout? First we have to look at the "bailout" put in place by the government. The initial bailout plan was to buy up bad mortgages and stop foreclosures. This obviously did not happen and most of the funds were used to bailout banks. Why bailout the banks and leave homeowners in turmoil? Read More.
Will waiting on government foreclosure assistance hurt me? So far there is no evidence of direct government assistance to help homeowners avoid foreclosure. The bailout helped the banks and government programs are directed towards helping your lenders, not you. Obtaining a certified loan modification attorney to negotiate with your lender is imperative and can save your home from foreclosure.Read More.
New FDIC loan modification program? The FDIC, Federal Deposit Insurance Corporation, has issued a loan modification program that projects saving over 1.5 million homes from foreclosure in the next year. Unfortunately most of the Governmant programs have not worked. The re default rate on loan modifications not performed by a third party attorney are over 60%. What is the program about and will it help you stop foreclosure or is it just another bailout bust? Read More.
Watch out for Loan Modification and Trial Mod Scams! Just as important it may be to watch out for scammers trying to take advantage of unsuspecting borrowers It's even more important to listen carefully to what your lender/mortgage servicer has to say, more importantly what they might do. Read More
Florida Stops Foreclosures for 45 Days - What does this mean for you? Florida banks and mortgage lenders have agreed to stop home foreclosures for 45 days under certain conditions, but the new plan will not provide help to anyone already in the foreclosure process. Will this plan help homeowners or just put off a crisis that needs to be addressed now. Learn More.
The Foreclosure Process - How you can come out on top? Foreclosure and the risk of losing your home is the most stressful thing a family can experience. The foreclosure process is confusing and your rights as homeowner are not going to be explained by your lender or the courts. You need foreclosure assistance from a loan modification attorney with a successful track record. Learn more about the foreclosure process and how The Feldman Law Center can stop foreclosure. Learn more.
Bankruptcy Consultation - Understand all your options!One of the wisest decisions you can make is to have a consultation with a California bankruptcy attorney. You may be facing incredibly difficult financial circumstances which are causing you to consider some form of debt relief and/or bankruptcy. However, what you may not know is that there are many options available to you, and each option has its own challenges and complex legal nature. The team at the Feldman Law Center will be able to sit down with you and discuss your debt problems, your financial challenges, your current income and what bankruptcy options are right for you. We will guide you to see if a California bankruptcy attorney will be your best option Learn more.
Breaking News from the Obama Administration! Let's see what consumer advocate Martin Andleman has to say.
Martin Andleman speaks out about Obama's new principal reduction and mortgage payment forgivness plan.Read more
