Imperial Point Foreclosure Defense Attorneys, Bankruptcy Lawyers

Are you facing a foreclosure and don’t know what to do? Speak to a qualified Foreclosure Defense Attorney in Imperial Point to learn about your rights and options. If you have been paying attention to the news, then you should already know that there are massive State and Federal probes into the foreclosure procedures of Lenders, Noteholders, Servicers and their Attorneys. A Wrongful Foreclosure can have a major impact on your credit and finances for years to come so don’t delay call a Foreclosure Defense Attorney in Imperial Point today to find out more about protecting your rights.

A Foreclosure Defense Attorney in Imperial Point can help you find the solution that is right for you. Not all loans are created equal, and neither are all Foreclosures. If your loan was sold into a Securitized Trust Pool on Wall Street (if you took out a loan between 2002 and 2007 there is a good chance that is was), your “lender” may have a difficult time proving that they “own” your mortgage and have the right to take your home away from you.  A Foreclosure Defense Attorney in Imperial Point can beat the bank at its own game make sure that you have your day in Court. Don’t let someone take your home without a fight.

If you are trying to modify your loan, negotiate a Short Sale or Deed-in-Lieu of Foreclosure, don’t rely on the bank not to try and foreclose on your home while you are negotiating with them. Talk to a Foreclosure Defense Attorney in Imperial Point to find out how fighting the Bank in Court can benefit your Loss Mitigation Efforts, and how not participating in your own defense can actually harm your chances of working out a deal with the Bank. A qualified Foreclosure Defense Attorney in Imperial Point can help you negotiate with the Bank while they fight the Bank in Court. Stand up for your rights before it is too late.

A Foreclosure Defense Attorney in Imperial Point can help defend you against a Deficiency Judgment. Did you know that after a Foreclosure Sale, your lender can get another judgment against you for the difference between what you owed and the value of your property?  Even worse, if you don’t defend yourself in the Foreclosure, they don’t have to tell you that they are asking the Court for the Deficiency Judgment. Worse yet, the Judgment is good for 20 years and they can use it to seize your bank account or garnish your wages. Talk to a Foreclosure Defense Attorney in Imperial Point today and protect your rights.

Stuck in debt and don’t know what to do? Talk to a qualified Bankruptcy Attorney in Imperial Point to find out what kind of relief is best for you.  There are various chapters in Bankruptcy, but the ones most important to consumers in Imperial Point are Chapters 7 and 13.  What is important to know about these two different types of Bankruptcy is that a Chapter 7 is basically a liquidation in which the Trustee “liquidates” or sells your non-exempt assets and uses the proceeds to settle with your creditors for pennies on the dollar.  A Chapter 13 is basically a 3-5 year repayment plan.

A Chapter 7 Bankruptcy authorizes the Bankruptcy Trustee to liquidate your non-exempt assets and “liquidate” or sell them in order to settle your debts for pennies on the dollar. The important question is then, what assets are exempt? As a good Bankruptcy Attorney in Imperial Point and he will tell you that your home is exempt, you are allowed up to $1000 of equity in your vehicle, $!000 worth of personal property (think garage sale value). On top of that your 401(k) and most IRAs and life insurance policies are exempt. Talk to a Qualified Bankruptcy Attorney in Imperial Point to learn more.

A Chapter 13 Bankruptcy is a repayment plan. Once your bankruptcy is filed your attorney will file a Chapter 13 plan with the Court and ask the Trustee to approve it. Your plan, essentially consists of 90% of monthly disposable income (your gross income minus taxes and regular living expenses) being paid to the Trustee who uses that money to pay off your secured debts first (mortgage, car payments, etc) and then to pay your unsecured debt (credit cards, medical bills, etc) for pennies on the Dollar.  A Bankruptcy Attorney in Imperial Point can help you figure out what type of Bankruptcy is best for you.  

No matter what type of Bankruptcy is best for you, please talk to a qualified Bankruptcy Attorney in Imperial Point to help you make the decision that is best for you. For many people Bankruptcy is the key to getting the fresh financial start they need and can also provide much needed piece of mind by stopping pending lawsuits and the relentless collection calls.  Call a Bankruptcy attorney in Imperial Point today to find out how you can stop harassment by your creditors- including Foreclosures and Garnishments, protect your assets, and get a fresh start. Take charge of your Financial Life today!