If you are faced with a Notice of Default being filed by the lender on your home or confronted with a Notice of Trustee’s Sale to complete a foreclosure, you may have legal remedies to discuss with an attorney. Federal and state laws provide legal requirements for lenders and protections for homeowners. It may be possible for you to take advantage of these laws in your current situation. Don’t go through this process without a lawyer on your side. I know the legal steps to take to protect your home and want to help you.
Chapter 13 is an remedy to stop the foreclosure of your home. The chapter 13 process provides up to 60 to cure past due house payments in an organized plan. In some chapter 13 cases, the bankruptcy court permits a modification of the loan under court supervision. The loan modification program has recently provided by the Bankruptcy Court for those case assigned to a specific bankruptcy judge. This program is available in the Santa Ana Division, Riverside Division and Los Angeles Division to name a few.
Don’t Delay! Call my office to schedule a free consultation to discuss your options.