Legal Representation
Fighting against banks can be an uphill battle. We help clients work with their banks first, before pursuing a legal approach. We can also help you to determine if you have been a victim of predatory lending.
Lawsuits can be brought for violations to the Federal Truth in Lending Act (TILA), RESPA, California Financial Code §4970 Fair Debt Reporting Act. You may also be able to bring a lawsuit for Reverse Mortgage, Elder Abuse, Loan Servicing Violations, Forced Placed Insurance, Loan Accounting Matters, and Predatory Lending.
Debt Consolidation or Bankruptcy
Debt Consolidation can be used to eliminate your debt. Often lender will seriously consider 30 to 50% payment as payment in full for certain debts. You probably have a variety of options, depending in part on your total debt, income, savings, payment history, the security for debt, and the lender's disposition.
Bankruptcy is another option to consider. Each individual is unique as are the circumstances. Bankruptcy is one of the many options for individuals in financial trouble. Bankruptcy is a very common solution for a number of people.
Many Borrowers Do Loan Modifications Themselves
There is no reason to pay for mortgage help. When trying to get a HUD-approved counselor, persistence can pay off. Visit the HUD Web site and try several phone numbers until you reach someone who sounds genuinely interested in helping. You can test your eligibility for a government-backed loan modification at the Financial Stability Web site.
Simply Call (925) 932-0170
-Kenneth Graham, Attorney