Loan modification and foreclosure prevention schemes are big business in California. Sadly, far too many desperate homeowners are falling prey to costly scams and outright fraud. We understand that you are under a lot of stress. At Boyd Contreras LLP, our Orange County & San Diego foreclosure prevention lawyers believe that one of the most important things we can do to help our clients is to assess their situation and tell them the truth about their options.
You need real solutions. We don't waste your time or money with efforts that won't be successful.
Foreclosure Prevention Lawyers in San Diego & Orange County
The first step in saving your home is to talk to a lawyer with a comprehensive understanding of bankruptcy law and real estate law so that you can get an accurate assessment of the options available to you. The San Diego foreclosure prevention attorneys at Boyd Contreras LLP, have the knowledge and experience you need. We may be able to help you with property assessments, stripping of second mortgages, as well as bankruptcy filing. Get prompt legal help to prevent or delay home foreclosure in the San Diego & Orange County area. Call 619-378-4033.
Is Foreclosure Right for You?
At your free initial consultation we will review your financial situation:
- Have you approached the bank about a loan modification? How has that progressed?
- If your loan is modified, will you be able to afford it or do you need more help - the kind of help that a bankruptcy filing can provide?
- Do you qualify for a lien/loan stripping on your property?
- If your foreclosure can only be delayed, will that buy you the time you need to find another solution?
We will explain all the alternatives available to you, based on an honest assessment of your situation. Unlike so many unscrupulous businesses today, we won't take any action unless we truly believe it will be successful in court or with the bank.
Clients appreciate our honesty. They know where they stand and they have a solid plan with which to move forward when they leave our offices.
Foreclosure Prevention Options
- Loan Modification: Banks have been notoriously slow with loan modifications. Homeowners may find the sale date looming and they can't get anyone at the bank to respond. If this is the case for you, or if your outstanding debt is preventing you from qualifying for a loan modification, and you qualify for a Chapter 7 or Chapter 13 bankruptcy, filing for bankruptcy will put a temporary hold on the foreclosure sale. This gives you more time to negotiate with the bank.
- Bankruptcy Filing: A bankruptcy stay of foreclosure is only temporary. If you can't afford your home even with the help of a debt repayment plan in Chapter 13 or discharge of debt in Chapter 7, your best option may be to sell the house so you can keep any equity you've accumulated over the years and/or to possibly avoid a deficiency. If you owe more than the house is worth, negotiating a short sale or allowing the foreclosure to continue may be your best option.
- Loan/Lien Stripping: In order to qualify to have a second mortgage stripped from your property, your home must be worth less than the first mortgage. We are real estate attorney/brokers. We have access to property value information (MLS listings and county records). We can pull a list of comparable properties free of charge and can help you hire an appraiser if needed.
Contact a Foreclosure Prevention Attorney
Our attorneys help clients through out Southern California including these cities and counties:
- San Diego County
- Chula Vista
- El Cajon
- La Mesa
- La Jolla
- Orange County
- Irvine
- Santa Ana
- Newport Beach
- Laguna Beach
- And More
To learn more about how bankruptcy can help you prevent or delay home foreclosure, contact us online or call our San Diego & Irvine office at 619-378-4033 to schedule a free confidential consultation.
Free Consultations • Hay Abogado Que Habla Español
Pursuant to 11 U.S.C. section 528(a)(4) of the bankruptcy code, we are required to state: we are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Related Content: San Diego Bankruptcy Attorneys | San Diego Debt Relief Lawyers
