Contact Us
To arrange a free initial phone consultation or a reduced rate initial office consultation, please call us at (510) 465-0025 or fill out the form below.
Foreclosure Avoidance & Undoing Foreclosure Attorney
Are You Behind on Your Mortgage?
Are You Trying to Avoid Foreclosure - Or Undo It?
In these challenging economic times, homeowners struggle to get their lenders to listen to them. The lenders themselves are economically distressed and often are not sympathetic to someone needing to talk about their mortgage terms.
Having a lawyer on your side gets the lender’s attention - and shows your lender that you need to be taken seriously. As an Oakland Foreclosure Avoidance Attorney, I have significant experience negotiating with, and pressuring lenders to make sure your rights as a homeowner are protected.
Loan Modifications
While it depends on your individual circumstances, I have successfully persuaded lenders to modify the terms of my clients' loans. These efforts can include:
> Length of Time to Pay: The lengths of mortgages can be extended sometimes, reducing your monthly payments and giving you more time to pay back the loan.
> Interest Rates: The interest rate can be reduced, either temporarily or permanently.
> Reduction of Principal: In some circumstances, lenders can even be persuaded to reduce the principal balance on your mortgage.
Modifying the terms of the loan can often be the best option for the lender as well, rather than the expense and effort of foreclosing on a property.
Under President Obama's recently enacted stimulus package and California's State Bill 1137, the laws protecting consumers with mortgage difficulties are changing rapidly. You really should have an attorney who takes the time to educate himself about every advantage that accrues to you as a distressed homeowner, and aggressively utilizes these changing laws to benefit you.
Foreclosure & Eviction Avoidance Litigation
If negotiations to modify the loan are unsuccessful, depending on the circumstances of your case, I may file a lawsuit on your behalf to obtain an injunction against foreclosure. There are many foreclosure defenses, including negligent or malicious conduct by lenders, inaccurate information in loan documents, and federal and state laws prohibiting predatory loan practices.
If foreclosure has already occurred, but you are still in possession of your home, there may still be options available to you. Call us to discuss your options regarding undoing a foreclosure.
Act As Soon As Possible
Having an experienced lawyer fighting for you can make the difference between keeping your home or losing it to foreclosure. The sooner you receive competent legal help, the sooner you can resolve your legal matters and put an end to the stress and anxiety you are facing.
Contact Us
Time is critical in these cases, so please don’t delay in contacting me. You can reach me by calling 510-465-0025 (Oakland office) or 925-708-3306 (Walnut Creek office), or by filling out the contact form on the right side of this page.
I look forward to hearing from you.