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What is a Living Trust in California?

A living trust is a written agreement between you as the client, as the maker of the trust and you as the client as the trustee of the trust or manager of the trust. And it's kind of like a will substitute, and I like to think of it as your own little, family company that you manage, and upon your death that family company continues on and avoids the probate process because you appoint a successor to take your place to manage the trust and distribute the assets according to your instructions. I'm Jeff Madson and I'm the founding and managing partner of Well Strategies Counsel. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning living trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What is a Living Trust in California?

A living trust is an agreement entered into whereby you are controlling the disposition of your assets in the event of your incapacity or your death. A living trust is an important document to have in order to avoid the probate process in California if something were to happen to you. It is also beneficial in situations where a couple is married and they set up a living trust. In the event that one of them passes, you have the ability to shelter assets from future estate taxes. I'm Lisa Allred and I'm a team member of Wealth Strategies Council. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration, and probate needs.

tags: estate planning living trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What if I am the successor Trustee of a Living Trust?

If you have been named as a successor trustee of a trust and the maker of the trust has passed away, you need to immediately contact an experienced estate planning and trust administration attorney. There are many time sensitive issues that need to be addressed upon the passing of an individual. If you don’t contact the attorney timely, you could actually be held liable for failure of your duty to contact the beneficiaries and notify them of the passing of the individual under the terms of the trust. I’m Lisa Alred [SP] and I’m a team member of Well Strategies Council. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration and probate needs.

tags: estate planning living trust trustee wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Do I need a will if I have a Living Trust?

You do need a will if you have a living trust. It’s referred to as a pour over [SP] will. In the event that there’s assets inadvertently left out of your trust, a pour over will allows them to pour back into the terms of the trust. A will is also necessary to appoint an executor to act for you in the event that there is a proceeding that does need to be brought before the court. And most importantly, it is necessary if you have children. It allows you to nominate, name a specific individual to act as guardian of your minor child, in the event that something happens to you. I’m Lisa Alred [SP] and I’m a team member of Well Strategies Council. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration and probate needs.

tags: estate planning living trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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How do I fund a Living Trust?

In order to properly fund your living trust you have to make sure that your assets that are owned by you in your individual name are changed so that title then reads "into your name as trustee of your trust." That often involves the recording of deeds, the transferring of title to bank accounts, investment accounts, certain brokerage accounts. Sometimes in events where there are specific situations, even life insurance. I'm Lisa Alright and I'm a team member of Wealth Strategies Counsel. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration and probate needs.

tags: estate planning living trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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If I have a Will, why would I want a Living Trust?

You should have a living trust because you want to be able to avoid probate and pass your assets to your heirs in the most effective manner possible. Moreover, having a living trust helps you to get organized now. You're the one that knows most about what your assets are and where they're located. In the retitleing process that means that you're able to organize and marshall together your assets so your heirs know what you have and what you own. I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect and transfer their legacy to the next generation in the most cost-saving and efficient manner possible.

tags: estate planning living trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What is a Dynasty Trust in California?

A dynasty trust is a trust that you set up now for purposes of transferring your legacy onto the next generations. And what it does is it gives you the ability to structure your estate plan on a generation by generation basis, without the future generations having to pay any estate taxes. It also protects against divorce and creditors among your children and grandchildren. I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Councel. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning dynasty trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What do I need to do to properly fund my Living Trust?

In order to properly fund your living trust, you need to retitle your assets into the name of, of the trust. That involves deeds, with respect to real property. It involves instructing your bank to change the names on the account to your trust. It involves the other financial institutions where you might have your stocks or bonds, having them retitle the account into the name of the trust. And it involves making sure your investments are all changed into the name of the trust. I’m Jeff Matsen and I’m the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect, and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning living trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Will I still go through probate if I have a living trust?

You don’t need to go through probate if you have a properly funded living trust. Probate is only necessary in the event that there’s assets held outside of your trust, which you did not place title into the name of your trust. Probate then would be necessary using what’s called a pour-over will to get those assets back into your trust. I’m Lisa Aldred and I’m a team member of Wealth Strategies Counsel. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration, and probate needs.

tags: estate planning living trust wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Can litigation occur in probate or trust administration?

There are a lot of problems that arise that generate litigation during probate or trust administration. A lot of those problems are because of the drafting errors that were made in the initial estate plan. That's why it's so important that the estate plan be prepared by a competent attorney. Other problems arise because of the fact that there are disagreements amongst the children as to what the parent's intentions are. And even if the intentions are clearly stated, children feel slighted, or heirs from a prior marriage contest and dispute with the second wife. And there is lots of different problems involved with blended families. I'm Jeff Matsen, and I'm the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect, and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning probate litigation wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Why Wealth Strategies Counsel for probate or trust admin?

Wealth strategies counsel is the right firm to hire for probate and trust administration, because of our experience and because of the process we have at carrying out the deceased instructions. We have gone to court many different times. We’ve filed probates, hundreds of them. We’ve handled hundreds of different estate administrations. We’ve made a difference. We’ve saved clients money. We’ve helped them speed up the process. And we have avoided beneficiary contentions. We are the right firm to hire because we are the right people at the right time, doing the right thing. I’m Jeff Matsen and I’m the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning who to work with wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Should I have a Domestic Asset Protection Plan?

The best structure for a domestic asset protection plan is generally to use liability protected entities in combination with domestic asset protection trust. I like to think of it as a modular plan, where you have the domestic asset protection trust, of which the client is the beneficiary, and the domestic asset protection trust then owns the member, or partner, interest in the liability protected entity. I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: wealth management wealth preservation wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What should I do after the loss of a loved one?

The most important step to take after the loss of a loved one is to contact a knowledgeable and experienced estate planning attorney who can guide you through the administration process. Whether you are facing a probate or a trust administration it is essential to keep yourself in contact with someone in the estate planning area immediately. I am Lisa Orrick, and I am a team member of World Strategy Counsel. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration, and probate needs.

tags: estate planning death of loved one wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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How does estate planning advantage high net worth persons?

Estate planning in California doesn't just involve the preparation of a will, trust, and powers of attorney for you. If you're a client with a high net worth, we at Wells Strategy Council also have the ability to implement a plan to take into consideration the effect that estate taxes and transfer taxes can have on your death. I'm Lisa Alright and I'm a team member of Wells Strategy Council. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration and probate needs.

tags: estate planning high net worth wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What is probate like in California?

Probate is the process in California whereby the courts decide who is going to get your assets. The probate process in California is necessary when you do not have a living trust, or when you have assets that are not passing to beneficiaries via joint tenancy or pay-on-death designation. I'm Lisa Alright, and I'm a team member of Wealth Strategies Counsel. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration, and probate needs.

tags: estate planning probate wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What is a Domestic Asset Protection Plan?

Domestic asset protection plan is one that is centered either locally here in California or on a national basis within the United States and it constitutes, uh, using liability protected entities and domestic asset protection trust. Not all states have these, the same laws pertaining to the entity protection and the asset protection trust and so you need to make sure that when you set up a domestic asset protection plan it's done in the right venue in the right way with the proper structure. I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Council. We help people preserve, protect, and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: wealth management wealth preservation wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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How can my heirs minimize paying Estate Taxes?

If you have considerable wealths, there are several technics available to reduce or even avoid instate taxes. One of the things you can do is to set up a family limited liability company or family limited partnership and get a minority discount. There are other ways too. There are private annuities, there are grant or retained annuity trusts and there are technics we can set up in your living trust, in and of itself, that will reduce substantially your estate taxes. I'm Jeff Matsen and I'm the foundering and managing partner of Wealth Strategies Council. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning estate taxes wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What is Estate Planning in California?

Estate planning is a process whereby you preserve, protect and transfer your assets. It involves many times a living trust, but it's much more than that, there's wills, powers of attorney, medical healthcare directives. There are also other vehicles for preserving your assets and not just disposing of it. I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect and transfer their legacy to the next generation in the most cost-saving and efficient manner possible.

tags: estate planning definition wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Why Wealth Strategies Counsel for estate planning?

You should choose Jeff Matsen of Wealth Strategies Counsel for your estate planning attorney because of his vast experience. He’s been in practice for over 35 years and has a team at Wealth Strategies Counsel with vast experience themselves. He’s also a person, a lawyer, who genuinely cares about your problem and solving it, and implementing the estate plan that’s right for you. I’m Lisa Aldred and I’m a team member of Wealth Strategies Counsel. I would greatly appreciate the opportunity to assist you with your estate planning, trust administration, and probate needs.

tags: estate planning who to work with wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Why Wealth Strategies Counsel for my asset protection?

One of the interesting things we have when it comes to experience in asset protection is that I've written a lot of articles and I've taught a lot of seminars on asset protection to other lawyers. When you do that you have to know what you are talking about. I've had experience not only locally, but I have clients all over the United States and even internationally. So, we have a lot of experience in different kinds of structures, and we are in a position where because we have the contacts and the networking- we can make things happen and happen right and happen fast. I'm Jeff Matson and I'm the founding and managing partner of Well Strategies Council. We help people preserve, protect, and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: wealth management wealth preservation wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What is superior about your approach to asset protection?

The difference between our firm and other firms when it comes to assest protection planning, is that we think of our services as directly tailored to the client. We know when to go off shore, when to stay domestic. We know when to utilize liability protected entities. We know when you can set up a marital planning program that will protect your assests. We know how to structure and follow through. And moreover, we get it done quickly, efficiently and we carry out and implement the techniques to the last detail. I'm Jeff Matsen, and I'm the founding and managing partner of Wealth Strategies Counsel. We help people perserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: wealth management wealth preservation wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Why estate planning for blended families?

Estate planning is very important when you have a blended family because you have children, normally, from a prior marriage. Those children may not agree necessarily with the new spouse and there can be a lot of conflicts. Also, the new spouse may remarry even and the rights of the children from the prior marriage have to be protected and preserved. I'm Jeff Matson and I'm the founding and managing partner of Wealth Strategies Council. we help people preserve, protect, and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning blended family wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Does a high net worth individual need estate planning?

If you’re a high net-worth individual, I can help you because I understand what your needs and concerns are. I know that you’re worried about estate taxes; you’re worried about passing your assets onto the next generation in an efficient and cost saving manner. I understand the strategies that are involved, in fact, I’ve come up with some of the strategies myself that are involved in making sure that the assets pass to the next generation without incurring estate taxes. I can help you because I’m associated myself with professional advisors that also know and understand these problems. I’m Jeff Matsen and I’m the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect, and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning high net worth wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What's the #1 misconception about probate?

The number one misconception about probate is that people just have a complete lack of understanding of what it is. They get it confused with estate taxes. They think it's the same. They, they usually have a negative attitude towards it, which is probably justified. But they don't understand the process that's involved. They don't realize that forms have to be filed. That a court has to make sure that the is instructions of the testator or the client are carried out. So the number one misconception about a probate is really what is probate. How do I carry it out? And what do I do to get through it? I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect, and transfer their legacy to the next generation, in the most cost saving and efficient manner possible.

tags: estate planning probate wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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What are the advantages of going offshore with your assets?

The principle advantages of going offshore with your assets are you would avoid the jurisdiction of the United States courts. You place the assets offshore where the governments are stable and where the financial institutions are stable. You place them offshore and it makes it very difficult, if not impossible, for the United States court system to attach those assets. I’m Jeff Matsen and I’m the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect, and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: wealth management offshore accounts wealth preservation wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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How do creditors find out about what property I own?

It's easy for creditors in this day of the internet and public disclosure to find out about assests. Moreover if you are involved in a lawsuite creditors can take you deposition under penatly of perjury and force you to disclose what your assests are.So if you haven't planned in providing protection for your assest's the creditors are going to get to them. I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Counsel.We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manor as possible.

tags: wealth management creditor inquiries wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Should I consider offshore asset protection?

An individual should consider an offshore asset protection plan when they have a substantial amount of liquid assets that can be placed offshore. And the reason you want to consider going offshore is because it gives you a safe haven that is protected against the jurisdiction of the Unites States courts. There are more favorable laws offshore also, with respect to how a lawsuit is treated and how creditors are treated who try to get to your assets. I’m Jeff Matsen and I’m the founding and managing partner of Wealth Strategies Counsel. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: wealth management offshore accounts wealth preservation wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Why do I need to worry about protecting my assets?

You need to worry about protecting and preserving your assets because we live in a predatory climate. There are creditors now who are attempting to sue and get into the deep pocket of people who are business owners, or professionals, or who own real estate assets. We're in a victim oriented society where people think that they need to be compensated for anything bad that might happen. Therefore, in this situation because of the proliferation of lawsuits, the victim oriented society and the notoriety that some of these cases are given, you need to protect your assets. I'm Jeff Matson and I'm the Founding and Managing Partner of Wealth Strategies Council. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: wealth management wealth preservation wealth management asset protection estate planning tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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Why choose Jeff Matsen for estate planning?

Jeff Matsen: You should choose me as your estate planning attorny because of my background and my experience. Not only as a lawyer, but in life. I've raised a family with my wife successfully myself. I know what your concerns are and I understand how to implement a plan that will meet your needs. I teach other lawyers how to do this. In fact many lawyers hire me to do their estate planning. I'm Jeff Matsen and I'm the founding and managing partner of Wealth Strategies Council. We help people preserve, protect and transfer their legacy to the next generation in the most cost saving and efficient manner possible.

tags: estate planning who to work with wealth preservation wealth management tax laws probate trust trusts living trust wills powers of attorney annuity trusts family limited partnerships wealth strategies counsel jeffrey matsen jeff matsen lawyer legal law firm california ca orange county irvine newport beach santa ana huntington beach lisa allred

attorney: Wealth Strategies Counsel

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How long will it take debt settlement to get me out of debt?

In California, once you engage in a debt settlement program, how fast you get out of debt is really going to depend on you. In some of the better programs where you're putting money into a trust account with an attorney giving them the ability to negotiate your debt away, it's going to depend on how much disposable income you're going to have and how much money you're going to have to put in that trust account. If you put more money in there, of course you're going to get out of debt a lot faster than someone who's putting less money in there. So, at the end of the day it's going to depend on the actual consumer on how fast they get out of debt. I'm Vincent Howard, senior and managing partner of Howard and Nesery. We work hard every day representing the consumer from our headquarters in Orange County California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement how long? debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Who qualifies for a debt settlement program in California?

In California, you qualify for debt settlement program if you have a large amount of unsecured debt, usually $5,000 or more. If you’re having trouble making the payments, and you have enough disposable income to make a monthly payment into a trust account, say for example, which is used to settle the uh, amount of unsecured debt that you have. I’m Vincent Howard, senior and managing partner of Howard & Nassiri. We work hard everyday representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement who qualifies? debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What's the first step in a debt settlement program?

In California, your first move in deciding you want to enter into a debt settlement program is to contact someone you trust and feel comfortable with. Once you’ve done that, usually what they’re going to instruct you to do is to stop making payments on your credit cards. And remember, this may adversely affect your credit scores. But you have to look at it this way. If you’re already reaching out to someone needing that help, your credit score’s probably being impacted already by not making payments at all or making slow payments altogether. After that you’re going to do a financial assessment to see if debt settlement is right for you. And then you’re going to start making payments into a trust account that is designed to hold your money and use that money to settle your unsecured debt. I’m Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day, representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement first step debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How long will debt settlement take in California?

A debt settlement program can take anywhere from 6 months to 4 years. How long anyone is in a debt settlement program is really going to depend on how aggressive of an approach they want to take. If they want to save more money faster and put more money into their trust account, allowing attornies the ability to negotiate their debts faster then they're going to be in them for a shorter amount of time. If they don't have a lot of disposable income then it's going to take longer, but on average anywhere from 6 months to 4 years. I'm Vincent Howard, Senior and Managing Partner of Howard Nisery. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement how long? debt relief predatory lending loan modification benefit foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How do debt settlement programs in California work?

In California, debt settling programs work one of two ways. The first way, the debt settling company gets all their money up front, negotiates something with the lender and passes it off to the consumer and says, "here you go, you're on your own." The better debt settlement companies do it this way - they have the consumer pay money into a trust account over time, and you can only do this with a law firm. Once that money accumulates and so much money is in that account, the attorney makes an offer of settlement to the creditors and when that attorney makes that offer of settlement that money is there. That program is much more successful. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need attorney you can trust, go ahead and give us a call.

tags: debt settlement program debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How common are injuries from children's toys?

In 2006 there were approximately 220,000 child injuries as a result of defective products that are sold in this country. They range from defective toys that present strangulation, or choking hazards to defective bicycles, ATVs, scooters, child seats, playpens just about anything you can imagine your child comes in contact with. What happens is these corporations that make these products put profit before safety. They don't care about our children. We trust them to make products that are safe and will not harm our children, and they don't follow thorough on the responsibility. I'm attorney Tom Kiley, I've been representing the seriously injured and their families in Massachusetts for over three decades.

tags: child safety common toy defects product defect child toy product liability personal injury lawsuit insurance claim attorney lawyer law firm Boston Massachusetts Tom Kiley

attorney: Thomas M. Kiley and Associates, LLP

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Is predatory lending a growing problem?

Predatory lending is a growing problem in California, it really is. California, along with Nevada and Florida, were some of the hardest hit states in our union. Here in southern California in particular, my partner and myself often refer to it as ground zero because so many predatory loans, sub-prime type loans, were originated right here in southern California. I'm Vincent Howard, senior and managing partner of Howard-Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending growing problem? mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What is debt settlement?

Debt settlement is an aggressive approach to reducing the amount of unsecured debt that a person owes. The length of time in a program can vary, but it usually ranges anywhere from six months to four years depending on how aggressive of an approach the consumer wants to take. I'm Vincent Howard, Senior and Managing Partner of Howard Nassiri. We work hard every day, representing from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement definition debt relief predatory lending loan modification benefit foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Is my home covered in a debt settlement program?

In California, your home cannot be covered under a debt settlement program. Usually debt settlement programs only deal with unsecured debts. A home mortgage loan is secured by the actual home itself, so usually that's not something that's going to be the subject of a debt settlement program. I'm Vincent Howard, Senior and Managing Partner of Howard Nassiri. We work hard every day representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

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attorney: Howard | Nassiri, LLP

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Are my credit cards covered in a debt settlement program?

All your credit cards will be covered in a debt settlement program if you decide to enroll them in the program. Some consumers decide to put some of their credit card debt in the program, while keeping current in continuing to make payments on others, but any credit card that you wish to put through the program is eligible for the program. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard everyday representing the consumer everyday,from our headquarters in Orange County California if you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement credit cards debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What does fair debt collection mean?

Fair Debt Collection simply means that debt collectors, when they are engaging in the business of collecting on their debts, they must engage in fair practices in doing that. They can't do anything false or misleading or anything that would be considered unfair. I'm Vincent Howard, Senior and Managing Partner of Howard/Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt collection fairness definition fair debt collection debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What debts fall under the Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act, any debt, or any item that was purchased with a credit card for your personal, family or household use is a debt that is covered under the act. I'm Vincent Howard, Senior and managing partner of Howard/Nassiri. We work hard everyday representing the consumer from our headquarter in Orange County California. If you need and attorney you can trust, go ahead and give us a call.

tags: debt collection covered debts fair debt collection debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How can I stop a debt collector from contacting me?

Uh, a surefire way to stop a debt collector from contacting you is retaining the services of an attorney. Because under the Fair Debt Collection Practices Act, if a debt collector knows that you are represented by an attorney, and they know how to get in contact with that attorney, then all direct and indirect contact with the consumer must stop, and they must go through that person's attorney. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard everyday representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt collection stopping calls fair debt collection debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What debt collection actions are prohibited?

Under the Fair Debt Collection Practices Act, uh,it prevents debt collectors as that term is defined under the Act, uh, from engaging in harassment and abuse of the consumer, uh, false or misleading communications and general unfair business practices. I'm Vincent Howard, Senior and Managing Partner of Howard and Nassiri. We work hard everyday representing the consumer from our headquarters in Orange County California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt collection prohibited actions fair debt collection debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What is Howard | Nassiri's experience with debt settlement?

To date, our firm in conjunction with our service provider Morgan Drexen has settled unsecured credit card debt in upwards of ten million dollars at 41% on the dollar. We are helping a lot of Californians get back on the road to financial freedom through our concerted efforts. I'm Vincent Howard, senior and managing partner of Howard/Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement experience debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Is my car covered under a debt settlement program?

A car is usually not going to be covered in a debt settlement program here in California. Usually debt settlement programs only involve unsecured debt. With a car loan, the car itself is the object that's being secured, so it's not going to be covered in a debt settlement program. I'm Vincent Howard, senior managing partner of Howard | Nassiri. We work hard everyday representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement car covered? debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Why can't I handle my own motorcycle accident claim in California?

[If] you've been involved in a motorcycle accident in Southern California; you're thinking about handling the claim yourself, trust me - the insurance companies love it when you seek to represent yourself because they know that once they are dealing with a self-represented person they're going to be able to pay pennies on the dollar for that claim. The greatest benefit you get from being represented by a motorcycle accident attorney is that they will get maximum value for your medical bills, for your lost income, as well as for your pain and suffering. I'm Jeff Roberts of the Roberts Law Firm, a full-service personal injury law firm in Southern California. If you've been involved in an accident, call us for a free consultation.

tags: personal injury lawsuit attorney lawyer law firm Orange County Southern California California Roberts Law Firm accident auto bus trucking motorcycle pedestrian wrongful death

attorney: The Roberts Law Firm

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Why do insurance companies try to limit pay-outs?

When you've been involved in an accident and you're going to be making a claim for your injuries against the driver that caused it, trust me. You're not in good hands with that insurance company. That insurance company has one thing in mind and that is to limit payouts and to basically not regard you as an injured person. And that's why it's so important to actually contact an attorney to deal with that insurance company and to represent you and make sure that you are taken care of. I'm Jeff Roberts of the Roberts Law Firm, a full service personal injury law firm in southern California. If you've been involved in an accident, call us for a free consultation.

tags: personal injury lawsuit attorney lawyer law firm Orange County Southern California California Roberts Law Firm accident auto bus trucking motorcycle pedestrian wrongful death

attorney: The Roberts Law Firm

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Is the car insurance adjuster on my side? Will my claim be treated fairly?

When you've been involved in a car accident in Southern California and you call the insurance company for the driver that caused your accident, and caused you injury, the other person on the end of that line, the insurance adjuster, is not your friend. Trust me, they aren't looking out for your best interest. What they are concerned with is the best interest of the insurance company, and that is to save money. So it's very important that when and before you deal with an insurance company you communicate with an attorney that can help you represent yourself and your injuries to the insurance company. I'm Jeff Roberts of the Roberts Law Firm, a full service personal injury law firm in Southern California. If you've been involved in an accident, call us for a free consultation.

tags: personal injury lawsuit attorney lawyer law firm Orange County Southern California California Roberts Law Firm accident auto bus trucking motorcycle pedestrian wrongful death

attorney: The Roberts Law Firm

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How much is paid to family members in wrongful death lawsuits?

In any lawsuit involving the death of a loved one, its impossible to predict what the recovery can be in those cases, the same as with the recovery in any case is impossible to predict. What is important is to get yourself a knowledgeable, reputable plaintiff's personal injury lawyer, whose going to do the best for you. Each case is different, each case is unique. Get yourself a lawyer you are comfortable with and trust that they are going to get you the maximum recovery that you are entitled to. Hello my name is Mitchell Ashley of Shandell, Blitz, Blitz and Ashley. We've been helping people for over 30 years when they have been hurt through someone else's negligence. If you've been injured, let us help you.

tags: wrongful death payout lawyer attorney new york new york city medical malpractice lawsuit medical mistake shandell blitz ashley mitchel ashley wrongful death claim

attorney: Shandell, Blitz, Blitz & Ashley, LLP

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What is predatory lending?

Predatory lending basically encompasses the unscrupulous lending tactics that lenders and mortgage brokers engaged in giving home loans to homeowners. Basically, they were not disclosing the material terms of the loan. And that, in and of itself, is part of the reason why a lot of these loans are predatory in nature. They withheld the material terms and didn’t disclose certain things in the loans to certain homeowners, and that basically is what encompasses what is a predatory loan. I’m Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day, representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending definition mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Are there laws against predatory lending in California?

There are laws against predatory lending in California. On the federal level, there are laws like the Truth and Lending Act, which forces lender to make certain disclosures of the material terms of the loan. And then on the California State level, there are a number of laws, uh, for example, the new law that just went into affect at the beginning of September of this year, uh, which is called the California Loan Modification Law, which really sets forth a certain set of parameters that lenders have to abide by and give loan modifications to certain people who qualify for those. I’m Vincent Howard, senior and managing partner of Howard and Nassiri. We work hard everyday representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending laws against mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How does a sub-prime loan work?

A sub-prime loan works like this. If your credit score is less than pristine, you're going to be put in a loan with a higher interest rate, and that higher interest rate is because of the risk that the lender is taking and taking someone who has less than pristine credit and putting them and insuring them or giving them this mortgage rather. But what we've seen a lot of here in California is the homeowner that has a good credit score put in these sub-prime mortgages and loans, and that is because lenders make money when they put people in a sub-prime product. I'm Vincent Howard, Senior and Managing Partner of Howard Nassiri. We work hard everyday representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending sub prime loan mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Can I keep my house if I'm a predatory lending victim?

Whether you can keep your house if you're a victim of predatory lending depends. We've seen people who have lost their house because they were unaware of what their rights are or were, and by the time they found out it was too late, the lenders had already foreclosed and have taken their home. There's a possibility you can keep your house, but that's going to depend on whether you have adequate representation and whether someone is representing your interests, because the lender certainly aren't, they're representing their interest. And one of the ways in which you can keep your house is if you hire an attorney who's skilled in this area of law, who can exercise your rights and help you keep your home. I'm Vincent Howard senior and managing partner of Howard Nassiri. We work hard every day representing the consumer from our headquarters in Orange County California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending keep my house mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Will I have to go to court for my predatory lending case?

You may have to go to court for your predatory lending case. When you retain us as your attorneys, we like to get the matter settled short of going to trial, going to court, anything like that. But keep in mind when you hire an attorney, a good attorney, we prepare the case as if we're going to go to trial. To do anything less is to only prepare for half or part of the case. We prepare like we are taking your case, your matter, all the way to trial, but if we can settle it before, we certainly will. I'm Vincent Howard, Senior and Managing Partner of Howard/Nassiri. We work hard everyday representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending court mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How can debt settlement help me?

Debt settlement can help you simply because it eliminates your unsecured debt. With that unsecured debt hanging over your head and you not making in roads to paying it off, it could have adverse effects on your credit rating, credit score. We live in a society that dominated by what your credit score is. You can't get a home, you can't buy a car, you can't get a student loan without it. So one of the things that debt settlement does is that it helps you get back on the road to financial freedom quicker. I'm Vincent Howard, senior and managing partner of Howard/Nassiri. We work hard every day, representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement credit score debt relief predatory lending loan modification benefit foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How can a debt settlement attorney help me?

A debt settlement attorney can help you in a number of ways. One, all your debt settlement attorney is going to know what the law is. Debt settlement companies can't, and when a debt settlement attorney gets a case, he or she can look to make sure that the debt can even be a collection. A lot of times, debt collection companies and creditors try to collect on debts that have already been paid, debts that are timed out. Only an attorney is going to be able to look at your specific situation and guide you appropriately through your debt settlement program. I'm Vincent Howard, senior managing partner of Howard Debt Series. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement attorney role debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Who is eligible for debt settlement in California?

In California, if you have unsecured debt, $5000 or more, and you have disposable income that will allow you to make payments in a debt settlement program, then you're going to be eligible to enroll in a debt settlement program. Some of the things that a consumer might want to think about is whether or not they are what's called "judgement proof," and those are things that you can talk about with your attorney that will help you make a decision as to whether you should even enroll in a debt settlement program. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement eligibility debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How does the financial crisis effect debt settlement programs?

The current climate may make it easier to get a debt settlement, because the economic situation we’re dealing with now is financial institutions that are failing. And they’re failing because they need liquidity, they need money. Debt settlement is a way for them to get this money. Some money is better than no money. So, where as maybe in the past they may have been slow to settle certain consumer accounts, now they’re going to speed it up and do that - because they need that money given their financial situation, if they’re in a bad way. I’m Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day, representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement current crisis debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Can I file a complaint against debt collectors?

In California, if you feel that you have been the victim or that a debt collector has violated the fair debt collection practices act, there's two things you can do. The law provides for civil remedy. That means you can hire an attorney to prosecute the matter and pursue your rights. Or you can go the route of an administrative remedy and that is where you can make a formal complaint to the Federal Trade Commission which is the commission that regulates this area and then they can look into it. I'm Vincent Howard. Senior and managing partner of Howard Nesery. We work hard everyday representing the consumer from our headquarters in Orange County California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt collection complaint fair debt collection debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What are the psychological benefits of a debt settlement?

The feeling you get or the feeling I get when helping someone settle their unsecure debt it's hard to put into words because you have a client who's come to you, they are in a hard way, they are in financial dire straits and they can't make that next mortgage payment, buy groceries even and at the end of our program you talk to that same consumer and they have a renewed sense of confidence you know. They are proud of that accomplishment that they achieve. They have paid off their debt, they are now back on the road to financial freedom and to see that broken person transformed into this person who's confident and happy really makes me feel good. I'm Vincent Howard senior and managing partner of HOWARD/NASSIRI. We work hard everyday representing the consumer, from our headquarters in Orange County California. If you need an attorney you can trust- go ahead and give us a call.

tags: debt settlement benefits debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Will a debt settlement program stop the harassing phone calls?

In California, if you enroll in a debt settlement program where an attorney provides you representation, it may stop the harassing calls from creditors and debt collectors. Under federal law, debt collectors as that term is defined, once you are represented by an attorney the debt collector has to stop the harassing calls. They have to. That's not the same for state law. However, California has a more inclusive statute that protects consumers from harassing calls and only an attorney can make sure that that stops. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement phone calls debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Does my debt go away in a debt settlement?

Your debt may go away in a debt settlement program. I mean at the end of the day that's the goal. Our goal - or anyone going into a debt settlement program, that program's goal is to negotiate away your unsecured debt. However, the consumer has to realize that it's up to the creditor ultimately whether or not they want to reduce or even erase the amount of debt that you owe. Most of the times they will do that because some money is better than no money. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement debt erasure debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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If I purchased a flat-panel TV or monitor, am I part of the lawsuit?

You're part of the, what we call the, flat-panel anti trust case, the price fixing case fo-, for flat-panels right now. You're going to have the option sooner or later to opt out if you so desire. But the whole purpose of this is to stop it from happening in the future. That's really our main focus. And, the focus is to pay back the people that have been the victims of the price fixing of the flat-panel screens. And if you bought one then you're a victim, because they all did it. How about that? My name is Tom Girardi. I'm the senior partner of Girardi Keese. For the past 44 years we have helped people in California who have been seriously harmed. I'm very proud of the work we've done and the role that we've played.

tags: girardi california flat panel monitors television pirce fixing class action suit

attorney: Girardi & Keese Lawyers

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Should I handle my car accident claim myself?

The most important thing to remember is that an insurance company is not looking out for your best interest. You should hire an attorney. What is important is that you hire an attorney that's experienced in this area of law. You don't want to hire an attorney that practices real estate law or trust law or corporate law. You need to find an attorney that handles personal injury law. Statistics prove that settlements that are negotiated by an attorney will net a client more than settlements negotiated by the client himself or herself. My name is Guy Montalbano of Kantrovitz & Associates. We've been helping people in the greater Boston area with automobile accident claims, workers' compensation, Social Security disability claims for the last 20 years.

tags: car accident claim self-filing lawsuit personal injury lawyer law firm attorney boston massachusetts kantrovitz

attorney: Kantrovitz & Associates, P.C.

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Why is Southern California so hard hit by predatory lending?

California is a victim of this sub-prime crisis for a number of reasons. One, it's Southern California. A lot of people want to move here, buy homes here. [Ah] The homes that people buy here rise in value, or they did up until recently. ah and then what you have is a large number of California residents who were employed in the mortgage industry. California had upwards of 300,000 people employed in this industry. Lenders noticed that, and they wanted to take advantage of that. So they pushed their brokers, even lenders directly, pushed them into pushing people into sub-prime products, and that lead to the economic crisis that we're suffering now. I'm Vincent Howard, senior and managing partner of Howard | Nassiri. We work hard everyday representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending laws against mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What are the top 3 predatory lending violations?

The top three predatory lending violations that we usually see are loans that have negative amortization that wasn't properly disclosed to the home owner. One of the other things that we see a lot of is someone who has a really good credit score, who should qualify for a better loan, but are actually put into a sub-prime loan and that's because lenders make more money when they put more people in sub-prime loans. And then the other thing that we see a lot of is people who were presented with a teaser rate and the interest rate bait-and-switch deal where people thought they were getting on interest rate, but they were actually getting another. I'm Vincent Howard, senior and managing partner of Howard/Nassiri. We work hard every day representing the consumer from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: predatory lending top 3 violations mortgage debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Will my credit score be harmed by debt settlement?

In California, your credit may be harmed by a debt settlement. Most programs are designed to instruct the consumer to stop paying their credit card debt, which is usually the type of debt you’re dealing with, with these programs. When that happens, creditors are allowed to continue to charge you interest, uh, late fees may accrue, and in some of the more extreme situations, uh, you may be the victim of a lawsuit. Uh, so, your credit may be adversely affected. But, it is best that when you are looking around for debt settlement programs you try and find one that has adequate legal representation. Because only a lawyer can make sure your rights are looked out for. I’m Vincent Howard, senior and managing partner of Howard and Nassiri. We work hard everyday representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement credit score debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Are debt settlements common in California?

Given our current economic crisis and situation, debt settlement is becoming more and more common in California. Uh, you will see on the news or on radio ads, or TV ads, debt settlement companies are popping up all over the place in California. Uh, you have to be very careful and do your due diligence when looking to see, uh, what debt settlement program you want to engage in. Uh, one thing, uh, I think that would be in the consumer's best interest is to look for a debt settlement program that is attorney based. Because only an attorney can enforce your rights in a court of law. Debt settlement companies can't do that. I'm Vincent Howard, senior and managing partner of Howard and Nassiri. We work hard everyday representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement frequency debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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How can an attorney help against unfair debt collection?

A debt collection attorney can help you under a fair debt collections violation by protecting you from the harassment and abuse that debt collectors may engage in. Also a debt collection practice act attorney can also review the actual debts that the debt collection company is trying to collect on to make sure it is a debt that could actually be collected on. Sometimes debt collection agencies engage in debts that are whats termed as timed out, debts that can no longer be collected or debts that you may not even owe, and a debt collection attorney can review your specific situation and advise you accordingly. I'm Vincent Howard senior in managing partner of Howard and Asiri. We work hard everyday representing the consumer from our headquarters in Orange County California. If you need an attorney you can trust go ahead and give us a call.

tags: debt collection attorney help fair debt collection debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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What do I do if a debt collector has violated the law?

In California, if you believe a debt collector has cross the line or violated the law, what you first must do is document the wrongdoing. So many times I have clients that come in and they tell me in general that a debt collector has crossed the line, but what I specifically need to know, or what an attorney needs to know is what exactly were the bad acts? For example, a common violation is phone calls- harassing phone calls by the debt collectors after the given time periods. Or they've said harassing or abusive things to that consumer. You need to document that, get the time, date, who you spoke with and what was said, and give that over to your attorney and that's the first step in prosecuting one of these claims. I'm Vincent Howard, senior and managing partner for Howard Nassiri. We word hard every day representing the consumer from our headquarters in Orange County, CA. If you need an attorney you can trust, go ahead and give us a call.

tags: debt collection law violation fair debt collection debt relief loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Debt settlement or bankruptcy in California?

In California, it's going to depend on the individual consumer's situation as to whether they should enroll in a debt settlement program, or whether they should declare bankrupcy. Certainly, if someone doesn't have a lot of disposable income, or any disposable income, to make the monthly payments necessary to be in a debt settlement program, and if they have an insurmountable amount of unsecured debt, then bankrupcy may be the way to go. But keep this in mind - with the change in the new bankrupcy's laws, it's not like it used to be, where you filed bankrupcy and, that's it, my hands are wiped clean of it. With the new bankrupcy laws, you may still have to be in a repayment program, just like you would in a debt settlement program. I'm Vincent Howard, senior and managing partner of Howard Nassiri. We work hard every day, representing the consumer, from our headquarters in Orange County, California. If you need an attorney you can trust, go ahead and give us a call.

tags: debt settlement bankruptcy debt relief predatory lending loan modification foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP