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LOAN MODIFICATIONS /LOAN WORKOUTS / DEBT SETTLEMENT / BANKRUPTCY Have you lost your sense of FINANCIAL SANITY? Are Bill collectors calling? Are you receiving demand letters from attorneys? Are the credit card bills piling up and completely out of control? Has your home mortgage lender threatened to foreclosure or have you already received a notice of default? If so, we empathize with you and may have a legal solution that can assist you in these tough times and help provide a fresh start. Many people were lured into the financial trap when property values experienced an unprecedented run up in values and interest rates were at 40 year lows. Mortgage Brokers were pitching all sorts of products including adjustable rate mortgage (ARM) and "stated income" loans making it so that virtually ever applicant qualified for some kind of loan. The lenders did not offer much scrutiny or resistance as they did little more than accept virtually every loan the brokers placed with them. Sub-prime mortgage lending went through the roof. Adjustable rate
mortgages (ARMS) were the talk of the town. "Interest-only" loans
(whereby the borrower paid only the interest on the loan, not principle) were served up like hotcakes to
anxious borrowers who were eager to get into new
homes. At the top of the market, Home Equity Loans (HELOC's) were used like credit cards. All of a sudden you not only got into a new house with a great interest rate, but many borrowers also got to "take out a second" (many times up to $100,000 or more) using their houses as equity to support a HELOC the loan. Now, in 2008 it seems the party has ended, and the hangover is beginning for many people. The Law Offices of Steve C. Vondran may well have a cure for your financial headache. If you are facing foreclosure call us. If you think you might be a candidate for bankruptcy contact us to find out. If you have over $15,000 in unsecured credit debt, contact Attorney Steve Vondran. Homeowners / Consumers / Debtors BEWARE! There are licensed and unlicensed brokers, foreclosure consultants, "loss mitigation" specialists and more trying to get your money. Some of these people have come over from the mortgage industry that has literally dried up and are now seeking to be your "loss mitigation specialist." First, these brokers help put you into these loans, and now they want to help you on the other end when you are having trouble making your payments. Be very cautious who you are dealing with. Some of these people want to collect an advance fee from you. Be very wary of this. Under the Department of Real Estate Rules, these brokers must present you with a copy of an advance fee agreement that is approved by the DRE Commissioner. If you did not verify that they have an approved advance fee agreement, you should run not walk. In addition, you should contact the California DRE and report them. The bottom line is this, why take your chances hiring someone other than an attorney to handle your important financial matters? THERE IS ABSOLUTELY NOTHING A BROKER CAN DO THAT AN ATTORNEY CANNOT DO. OUR FEES ARE LOW ENOUGH THAT IT SIMPLY MAKES MORE SENSE TO HIRE US TO DO YOUR LOAN MODIFICATION THAN IT IS TO CHOSE THE BROKER/CONSULTANT ROUTE. Contact us today for a free confidential discussion about your financial affairs. Let's see if we can chart a path that will help you regain a sense of FINANCIAL SANITY without having to risk working with what could be nothing more than an unscrupulous blood-thirsty real estate broker, a so-called loss mitigation specialist or other less than desirable loan foreclosure consultant.
(877) 276-5084 We help distressed clients and homeowners in and around the following areas: Δ Southern California: Orange County, San Diego, Temecula, Palm Springs, Palm Desert, La Quinta, Indian Wells, Inland Empire Area Apple Valley, Victorville, Moreno Valley, Ontario, Corona, Riverside Rancho Cucamonga and more.
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Loan Modification / Loan Workouts for
Residential and Commercial loans □ Foreclosure & Pre-foreclosure Consulting. □ Reverse Mortgage Consulting (Call us before you sign on the dotted line. The loan may not be as good as it looks)
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FREE LEGAL Loan
Modification / Loan Workout
Topics SHOULD YOU HIRE A MORTGAGE COMPANY OR A LAWYER TO TRY TO MODIFY YOUR HOME LOAN? WHEN SHOULD YOU FILE FOR BANKRUPTCY? CAN AN ATTORNEY HELP YOU NEGOTIATE YOUR DEBTS? WHAT IS A LOAN WORKOUT? SHOULD I PAY A BROKER AN ADVANCE FEE TO PERFORM LOAN MODIFICATION SERVICES? WHAT IS THE CALIFORNIA FORECLOSURE LAW? LOAN MODIFICATIONS IN CALIFORNIA CALIFORNIA FORECLOSURE CONSULTANT LAW ARIZONA FORECLOSURE LAW LOAN WORKOUTS IN ARIZONA LOAN MODIFICATIONS IN ARIZONA
VIEW THE LAW OFFICES OF STEVEN C. VONDRAN FINANCIAL FRESH START BLOG
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