LegalFaces.com

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What is bankruptcy?

Bankruptcy allows debtors to get relief from their debt and protection from their creditors. In many cases bankruptcy will allow somebody to save a home from foreclosure or a vehicle from reposition. I'm Stuart Alford, an bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy definition debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Who's the most typical bankruptcy filer in Massachusetts?

There is no such thing as the average person filing bankruptcy. Uh, millionaires file bankruptcy. John Conley, the former governor of Texas, filed bankruptcy. Uh, unemployed people file bankruptcy. Uh, doctors and lawyers file bankruptcy. So that, there, there is no average person who files bankruptcy. Hi, I’m Harvey Alford with the law firm of Alford and Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation

tags: bankruptcy typical bankruptcy filer debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Why do I need a lawyer to handle my bankruptcy?

Bankruptcy law is complicated. It has become even more complicated since the so-called Bankruptcy Reform Act of 2005. Don't go it alone. Have an experienced bankruptcy attorney represent you. I'm Stuart Alford, Bankruptcy Lawyer with the law firm of Alford and Bertand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy lawyer purpose debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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When should I consult an attorney regarding bankruptcy?

If you are considering filing for bankruptcy or if you have questions about bankruptcy you should consult an attorney rather than go it alone. If you're receiving phone calls at home from creditors or if you are more than one payment behind on your mortgage, you should consult with an attorney immediately. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy attorney consult debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What happens to student loans in a bankruptcy?

Student loans are almost never discharged by the filing of a bankruptcy. The only instance in which students loans would be discharged would be a showing of extraordinary hardship, in a hearing before a bankruptcy judge. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy student loans debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What debts have to be paid back in bankruptcy?

Student loans are non-dischargeable in bankruptcy in almost all instances. Also, domestic support order such as alimony or child support or similar orders are non-dischargeable in bankruptcy. I'm Stuart Alford, bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy debts to pay debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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How do I know if I should file for bankruptcy?

Meet with an experienced bankruptcy attorney to discuss youf financial situation in detail to determine whether or not bankruptcy will provide you with the relief that you need. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.

tags: bankruptcy should I file? debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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How common are bankruptcy filings in Massachusetts?

Bankruptcy filings are more common now than ever before, especially due to the current economic crisis which we currently face. Many consumers are finding that bankruptcy is their only remaining option for relief, or in many cases the only way to save their home from foreclosure. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy frequency debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What is chapter 7 bankruptcy?

Chapter seven bankruptcy is what most people think of when they hear the word "bankruptcy." It allows most debtors to keep all of their property and to get permanent relief from their debt. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.

tags: bankruptcy chapter 7 debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What will bankruptcy protect me from?

The filing of a bankruptcy petition will protect you from creditor action. It will protect you from phone calls. It will protect you from law suits. It will protect you from foreclosure. It will protect you from repossession. I'm Stuart Alford a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy protection debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What debts are forgiven in a bankruptcy?

The question is better asked the other way around. There are many more debts that are forgiven in a bankruptcy than are not forgiven. Debts which are discharged are the rule. Debts which are not forgiven is the exception. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.

tags: bankruptcy forgiven degts debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Does everyone qualify for bankruptcy?

Not everybody automatically qualifies to file a chapter 7 bankruptcy. There is a means test which all deters must take in order to establish their eligibility to file a chapter 7 bankruptcy. I'm Stuart Alford, bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing Bancroft law for almost 20 years

tags: bankruptcy qualifications debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Who is the average person filing for bankruptcy?

There is no average bankrupt debtor. People from all walks of life are affected by financial crisis and find that bankruptcy provides them with the particular relief that they need for their problems. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost twenty years

tags: bankruptcy typical case debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What is chapter 13 bankruptcy?

A Chapter 13 Bankruptcy is a repayment plan. In many cases, a Chapter 13 debtor is allowed to pay back a portion of their debt over time and at the end of the case the balance of that debt is discharged. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy chapter 13 debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Why do I need a lawyer to file for bankruptcy?

Bankruptcy laws, the bankruptcy rules are very, very technical. And you can really find yourself wasting time, money and effort doing it yourself. You really, it’s an area that you really need a professional, and not only a lawyer, but a lawyer who’s experienced in bankruptcy law. Hi, I’m Harvey Alford with the law firm of Alford and Bertrand. We have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy benefit of lawyer debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What are the steps to filing for bankruptcy in Massachusetts?

The first step for filing bankruptcy is to have a consultation with an attorney to see if you qualify, to find out what the benefits of the bankruptcy are going to be. What one should not do, is take unilateral steps such as transferring real estate into another name and things of that nature that often cause problems when you file bankruptcy, things that people do innocently enough but create a problem when they come to file, so they should see the attorney before doing anything. Hi, I'm Harvey Alford with the lawfirm of Alford & Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy first filing steps debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What is chapter 7 bankruptcy?

A Chapter Seven bankruptcy is a bankruptcy which has a goal to discharge or wipe out all of your unsecured debt, meaning credit card debt, doctors' bills, oil bills, hospital bills, things that aren't secured by collateral that you want to keep such as a home loan or an auto. But you also have an alternative, a choice, if you have a car that you want to get rid of, you can get rid of the car, and get rid of that debt. If you have a house that for any reason you feel that you no longer can afford to live in, and you want to surrender the house and get rid of that debt, you can do that with a Chapter Seven as well. Hi, I'm Harvey Alford, with the law firm of Alford and Bertrand. We have thirty years' expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy chapter 7 bankruptcy debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Can I keep my car after a bankruptcy?

Almost everybody who files bankruptcy keeps their car, uh, if they want to. In many cases somebody may wish to surrender a vehicle due to car payments that they are unable to afford, in which case they could elect to surrender the car. But if you don't want to surrender the car, in most cases, you will keep your vehicle as well as your other personal property. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.

tags: bankruptcy my car debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What will bankruptcy protect me from?

Bankruptcy will protect you number one, from creditors. Number two, from lawsuits. Number three, from possibly foreclosure. Number four possibly from repossession of your automobile. Number five, harrassing phone calls. Those are the major things that bankruptcy will proctect you from. Hi, I'm Harvey Alford with the law firm Alford and Bertrand, we have 30 years expertise in the the area of bankruptcy. If you feel you need a fresh financial start we offer a free consultation.

tags: bankruptcy protection debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Can I file for bankruptcy without my spouse?

You can file bankruptcy without your spouse, or a married couple can file a joint petition, as husband and wife. I'm Stuart Alford the bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy spouse debt relief loan credit cards lawyer attorney bBoston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What is chapter 13 bankruptcy?

Chapter thirteen bankruptcy is available, number one, for somebody who has mortgage arrears that they cannot pay, that their house is being foreclosed. And it allows them to do two things. One pay the mortgage arrears over a period of five years. It also allows them to pay only a portion of their unsecured debt, such as credit card debt, often as low as ten percent. Chapter thirteen is also available for people whose income is too high to allow them to file a chapter seven. Hi, I’m Harvey Alford with the law firm of Alford and Bertrand. We have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy chapter 13 bankruptcy debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Can I keep my house in a bankruptcy?

In many cases you keep your home and you keep all your personal possessions. If you are behind on your mortgage in many cases a chapter 13 plan will allow you to pay back your mortgage arrears without interest, or penalties or late fees, over a period of up to 5 years. I'm Stuart Alford, a bankruptcy lawyer of the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years

tags: bankruptcy keep your house debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Will I recover my credit after bankruptcy?

I'd tell people all the time cause that's the one question that's always asked. If you have a job with secure income, you will be surprised how quickly you will recover credit because you have secure income, you don't owe anybody else any money and you are not allowed to file bankruptcy for eight years so are actually considered a good credit risk. Hi, I'm Harvey Alford with the law firm of Alford and Bertram. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy credit recovery debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Can I keep my car after a bankruptcy?

If you are filing a chapter 7 bankruptcy and you wish to keep your car and you can afford to make the payments and you are up to date on your payments, you can keep your car as long as the car is an exempt asset. If your car happens to be a Maserati, and it's worth $50,000, it may be a serious issue. So, sometimes it depends on how much the car is worth. Hi, I'm Harvey Alford, with the law firm of Alford a& Bertrand, we have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy keeping my car debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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What happens to my debt after a bankruptcy?

If it's a straight Chapter 7 bankruptcy, the unsecured debt, meaning credit card debt, old utility bills, and medical bills and so forth, determines the discharge. Which means that they are noncollectable. There is a permanent restraining order on any attempt to collect them. They are in effect wiped out. You no longer owe them for all practical purposes. Hi, I'm Harvey Alford, with the law firm of Alford and Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy debt status debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Bankruptcy or a mortgage foreclosure defense?

The issue arises whether people should just file for bankruptcy or deal with a foreclosure action. My feeling is that if you have two options, don't use both of them at one time. I think there's an orderly progression. I think, on one hand, fight the foreclosure and if that doesn't work, then deal with bankruptcy. But I view the foreclosure proceeding as the first thing to do and I urge people to plan ahead and kick off the foreclosure by stopping payment when you know that you won't be able to pay any longer. I'm Carl Person, a New York lawyer and a fighter to keep people in their homes.

tags: mortgage foreclosure bankruptcy loan modification debt relief predatory lending foreclosure bankruptcy lawyer law firm attorney Brooklyn Bronx Staten Island Manhattan Queens New York Carl E. Person Carl-Person-Foreclosure-Defense

attorney: Carl E. Person

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What's the difference between chapter 7 & 13 bankruptcy?

The chapter seven bankruptcy is a much shorter process which involves the filing of a bankruptcy participation, a meeting with a trusty and a subsequent discharge of dept. A chapter thirteen bankruptcy is a process which can last any where from three to five years and involves the repayment of at least part of your dept. I'm Stewart Alford a bankruptcy lawyer with the law firm of Alford and Bertrand I have been practicing bankruptcy law for almost twenty year's.

tags: bankruptcy chapter 7 vs 13 debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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When should I consult an attorney about declaring bankruptcy?

If your debt is changing your quality of life, if it's affecting the way you eat, sleep, your relationship with your family, and you don't see any way to take care of your debt, you should consult an attorney. Hi, I'm Harvey Alford, with the law firm of Alford & Bertrand. We have 30 years expertise in the area of bankruptcy. If you feel you need a fresh financial start, we offer a free consultation.

tags: bankruptcy attorney consult debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Can I keep my house in a Massachusetts bankruptcy?

Almost all of our clients keep their house in a bankruptcy. There's a Homestead Act in Massachusetts if you've been living in a house long enough. You're entitled to protect up to 500,000 in equity if you file a bankruptcy, but that doesn't apply to everybody, it depends how long you been in the house. All the more reason to consult an attorney as soon as the thought of bankruptcy crosses your mind, just make sure number one, that your house is protected number two, that you have a Homestead filed, that if you're within that protection range of protection you keep your house as long as you make your mortgage payments. Hi, I'm Harvey Alford of with the law firm of ALFORD & BERTRAND. We have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial stock,we offer free consultation.

tags: bankruptcy keeping my house debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Will collection calls stop after I file for bankruptcy?

Once you've engaged the services of a bankruptcy attorney, many of your creditors will call your attorney's office instead of contacting you directly. After the bankruptcy has been filed with the court, your creditors are prohibited from contacting you directly. I'm Stuart Alford, a bankruptcy lawyer with the law firm of Alford & Bertrand. I've been practicing bankruptcy law for almost 20 years.

tags: bankruptcy collection calls debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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Will I be able to buy a car after filing for bankruptcy?

Most people who file bankruptcy are able to purchase an automobile subsequent for the filing and discharge of either a chapter seven or a chapter thirteen bankruptcy. I'm Stewart Alford, a bankruptcy lawyer with the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost twenty years.

tags: bankruptcy buying a car debt relief loan credit cards lawyer attorney Boston Massachusetts Alford & Bertrand

attorney: Alford & Bertrand, LLC

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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

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What happens to my debt after a bankruptcy?

In a chapter 7 bankruptcy most, if not all, of your debt can be discharged and is no longer forcible against you for all practical purposes until the end of time. In a chapter 13 bankruptcy, you present a plan to the court which provides how you will pay a portion or all of this debt over a period of up to five years. I'm Stuart Alford the bankruptcy lawyer for the law firm of Alford and Bertrand. I've been practicing bankruptcy law for almost 20 years.

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attorney: Alford & Bertrand, LLC

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How common is filing for bankruptcy in Massachusetts?

Bankruptcy has become more common in Massachusetts and the country because of the financial dilemma that we are in right now. Uh, people who have, uh, huge mortgage payments because of the adjustable rate mortgages they signed are being forced into bankruptcy. The unemployment rate, as it goes up, has caused people to file bankruptcy, so unfortunately for people in the working force and for home owners bankruptcy has become quite common. Hi I'm Harvey Alford with the law firm of Alford and Bertrand. We have thirty years expertise in the area of bankruptcy. If you feel you need a fresh financial start we offer a free consultation.

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attorney: Alford & Bertrand, LLC

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Can I modify my investment property mortage in NY?

If a person owns investment property in New York and it's subject to a mortgage, the same principles of loan modification apply that if the bank and the owner agree to a change in the terms, which usually means a reduction in the monthly rate of payment. Yes, you can have a modification. It always requires the agreement unless you're in bankruptcy court, and then the bankruptcy judge can do certain things, but outside a bankruptcy, you need an agreement of the two parties. I'm Carl Person, a New York lawyer and a fighter to keep people in their homes.

tags: loan modification investment home mortgage foreclosure defense debt relief predatory lending foreclosure bankruptcy lawyer law firm attorney Brooklyn Bronx Staten Island Manhattan Queens New York Carl E. Person Carl-Person-Foreclosure-Defense

attorney: Carl E. Person

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Can I modify my commercial property mortage in NY?

If a person owning commercial property has a mortgage, it's almost the same thing as a tenant in a commercial property going up to the landlord and saying "Look we're having tough times now. I can't pay $80000 a month, I can pay $65000 a month and stay here otherwise I'm just going to have to vacate or go into bankruptcy". So the landlord would say "Okay fine. Let's modify the lease". The same thing is true about a mortgage, that an owner can reach a modification with respect to commercial property when you explain the facts, and the lender is willing you could have a modification. There's nothing prohibiting it, it has to be done by agreement. I'm Carl Person. I'm a New York lawyer and my job is to help people stay in their homes.

tags: loan modification commercial prop. commercial property mortgage foreclosure defense debt relief predatory lending foreclosure bankruptcy lawyer law firm attorney Brooklyn Bronx Staten Island Manhattan Queens New York Carl E. Person Carl-Person-Foreclosure-Defense

attorney: Carl E. Person

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What happens to my mortgage if my bank went bankrupt?

If your bank went bankrupt, then chances are, it's a matter of time before your loan will get sold to another lender. So you do need to still keep making your mortgage payment if at all possible. However, if you are in a hard way, and you're not able to make that mortgage payment, you will need to try and get a loan modification from the next lender who buys your loan. And the new California loan modification law applies to loan servicers, so it doesn't matter who originated the loan, whoever is currently holding the loan and servicing the loan will be charged with the responsibility of providing you with the loan modification if you qualify. My name is Damien Nassiri. I'm a pattern in the law firm Howard and Nassiri. We're based in southern California, and we help people save their homes. If you've been the victim of a predatory loan, or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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What is predatory lending?

Preditory lending involves a series of unfair and deceptive acts and practices commited by lenders and mortgage brokers whereby they put borrowers in worse loans than they would have otherwise qualified for, or they put borrowers in loans that have extremely high interest rates that were not disclosed to the borrowers when they first signed up for the loan. It's a way to take advantage of the borrower and give them a bad loan that they cannot repay. My name is Damian Nassiri, I'm a partner in the law firm Howard/ Nassiri, we're based in Southern California, and we help people save their homes. If you've been the victim of a preditory loan or you're facing forclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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Is predatory lending a growing problem in California?

Predatory lending is a growing problem in the sense that all of the borrowers who received these predatory loans in the past years, all the chickens are coming home to roost at this point. The borrowers are now, their payments are going through the roof. They can no longer afford them. They are on these adjustable rate mortgages that sounded good and looked good when they first got into them but now as the interest rates are continuing to rise, the borrowers can no longer make these payments. And that's really at the heart of the current economic crisis is a lot of these homeowners in California that cannot make their mortgage payments because they have adjusted upwards and they can no longer afford to make the payment. My name is Damien Nassiri. I'm a partner in the law firm Howard Nassiri. We're based in Southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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What can I do if I've been a victim of predatory lending?

If you feel that you've been the victim of a predatory loan, my advice would be to go seen an attorney. An attorney will be able to give you a free consultation and will be able to analyze your loan documents, perform a forensic document review of your loan documents to ferret out the problems, to goo through the fine details of the loan and hone in on those predatory lending violations that the average consumer is unaware of. My name's Damien Nasiri. I'm a partner in the law firm Howard Nasiri. We're based in southern California, and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

tags: predatory lending what to do? 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 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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Why is Southern California a hot spot for predatory lending?

California's been one of the hotspots for predatory lending because it is a state with a high population. A lot of people live here and a lot of people that live here worked in the mortgage industry, so there was a lot of this predatory lending activity going on in the California area. Especially during a time when the home prices were rising in value and a lot of homeowners were tricked and deceived into taking out a loan that was not really in their best interest and something that they're only now coming to find out was a bad, predatory loan. My name's Damian Nassiri. I'm a partner in the lawfirm Howard / Nassiri. We're based in southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

tags: predatory lending californian as hot spot mortgage debt relief foreclosure bankruptcy lawyer law firm attorney Orange County Los Angeles California Howard Nassiri

attorney: Howard | Nassiri, LLP

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Do California lenders have to modify my loans?

California lenders and any lender nationwide, if it involves a borrower who lives in California, the new civil code section 2923.5 and .6 says that the lender has to get a loan modification, keep the borrower in the home if the loan modification will make the lender more money than the foreclosure. The point of that statute is to stop these foreclosures from happening. The California Legislature has realized that foreclosures are a tremendous problem. It's impacting the economy and so the California Legislature passed this law as an emergency statute to help homeowners stay in the home and to stem the losses that are resulting from these foreclosures. My name is Damian Nassiri. I'm a partner in the law firm Howard/Nassiri. We're based in Southern California, and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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Do banks prefer loan modifications or foreclosures?

As time goes on, banks are becoming more and more willing to do loan modifications. I would say six months or a year ago, the answer was 'no' whenever a borrower came to a, a bank for loan modification. But as the time is going by and the banks are losing more and more money on the non-performing loans and the foreclosure sales that are not uh, occurring, the banks are st-, starting to change their tune. And especially with the bailout, and the new laws that are coming around with, in California, uh, they are becoming, they're starting to wake up and smell the coffee. And realize that they need to make some money of these loans and the way to do that is to, is to get a loan modification and get the borrower on a payment that they can afford. If they need to extend the term, or if they need to lower the interest rate, something is better than nothing at this point. And so that's the way we're really starting to see banks are becoming more open to the idea of loan modificaiton. My name is Damion Nasire. I'm a partner in the law firm Howard & Nasire. We're based in Southern California, and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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What is a loan modification?

Well, a loan modification is just that. It's a modification of the terms of the existing loan. The borrower stays in the same loan, but the terms are changed. Typically, we're dealing with an interest rate reduction where the interest rate is lowered to bring the payment down. Another way the loan can be modified is by extending the terms, so a thirty year loan can be made into a forty year loan to bring the payment down a little bit more that way as well. Another common thing that we're starting to see is principal reductions, where the actual amount that the borrower owes is lowered by sometimes tens of thousands of dollars, sometimes a hundred thousand dollars to get the price of the monthly payment down to a point where the borrower can actually afford the payment. My name is Damien Nassiri, I'm a partner in the Law Firm Howard and Nassiri. We're based in Southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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How long does it take to get a loan modification?

A loan modification can take anywhere from one month to six months. Typically it involves negotiations back and forth with the lender, and every lender is different just like every loan is different. So, some lenders are a little bit more willing to work with you, others are not. But usually what we do in our firm is we propose a loan modification to the lender, it involves income analysis, expense analysis, it gives a real good snapshot to the lender of what this borrower can afford. We point out to the lender what the fair market value of the property is and that usually is going to encourage the lenders to reduce the principle and the interest rate within a three to six month time frame. My name is Damien Nassiri, I'm a partner in the law firm Howard and Nassiri, we're based in Southern California, and we help people save their homes. If you've been the victim of a predatory loan or your facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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Are loan modifications common in California?

Loan modifications are becoming more and more common in this economic arena that we're dealing with today. Six months ago or a year ago it was almost impossible to get a loan modification. The banks were not giving them. But now, as time goes on, and they have more and more of these non-performing loans and foreclosures are on the rise, the lenders are becoming more wiling to deal with us in terms of loan modifications. And now with the new law in California, the California Loan Modification Law, it does mandate that these lenders give loan modifications if they are going to be of a benefit to society. And the way the legislature has determined the benefit is to try and keep these homeowners in the home if at all possible, if they can make a reasonable payment. My name is Damion Nassiri. I'm a partner in the law firm Howard Nassiri We're based in southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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How will the new California loan modification law help?

The new California Loan Modification will help any borrower who is in default or default is reasonably foreseeable. And if the anticipated recovery to the lender under the loan modification exceeds the recovery that the lender would get form a foreclosure, then the lender is instructed to give a loan modification. It's going to help save a lot of homes. The California Legislature has realized that this an urgency statute. In fact, those words are in the law and says that we have got to stop the foreclosures from rising. We've got to do something about the problem and do something to stay in their home and make the payment. My name is Damian Nassiri. I'm a partner in the law firm Howard & Nassiri. We're based in Southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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Who's eligible for a loan modification in California?

The new California loan application law was passed September 8, 2008 and it covers all mortgages,uh, origninating from January 1, 2003 through December 30, 2007. Uh, Any loan, it could be a purchase or a refinance the borrower just has to be in default or default is reasonable foreseeable and what that means if their payment is about to go up due to an adjustment in a their interest rate that's someone who's default is reasonable foreseeable and the borrower has to be living in the home.If they meet those criteria then the new California loan law covers their situation and they are entitled to a loan modification. My name is Damian Nassiri and I'm a partner in a California law firm Howard Nassiri. We're based in Southern California and we help people save their homes. If you've been the victim of a preditory loan or you're facing forclosure give us a call.

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

attorney: Howard | Nassiri, LLP

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Has the economic climate forced the banks to give more loan modifications?

The economic climate is forcing more banks to do loan modifications because they have more and more foreclosures on their books, and it’s not a good thing. It’s really what’s driven the market to be where it is right now, that’s required this bailout by our government, iIs because you have so many non performing loans. And the truth of the matter is that many of these borrowers were able to make their payments in the past, but were unable to keep up with their payments when the interest rates adjusted through the roof. So if we just bring those interest rates back down, it’s going to solve a lot of the problems. If we extend the term of the loan from thirty to fourty years, and maybe drop the principal down a little bit, many – if not all – of these borrowers will be able to make the monthly payments on their loans. My name’s Damion Nassiri. I’m a partner in the law firm Howard Nassiri. We’re based in Southern California and we help people save their homes. If you’ve been the victim of a predatory loan, or you’re facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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How will a loan modification help me keep my house?

A loan modification can help you keep your house because it can get you back on the track of making your mortgage payment every month. It really is going to help the borrower who is in default and is several months behind on their loan, get back in the position where they can afford the monthly payment. And usually this is only a couple hundred dollars, maybe a thousand dollars. If we can get that payment down by that amount, the borrower should be able to make the payment. Most of these borrowers have gone into default because they've gotten themselves into these adjustable rate mortgages that have just adjusted a little bit too high for their monthly budget. If we bring it back in a little bit then they should be able to get back on track and stay current. My name's Damion Nassiri. I'm partner in the law firm Howard Nassiri. We're based in southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, call us a call.

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

attorney: Howard | Nassiri, LLP

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How can a loan modification lawyer help me?

A loan modification lawyer can help a client get the best loan modification possible because only a lawyer can enforce that right to a loan modification under the new California civil code section the California loan modification law. If the borrower or loan modification company asks the lender to give them the new loan that's all they can do is ask for the loan.The loan modification lawyer can ask for the loan and if the loan modification is not given the loan modification lawyer can then file a lawsuit in the court and enforce the right that the borrower has the right to a loan modification. My name is Damien Nassiri and I'm a partner in Howard Nassiri. We're based in Southern California we help people save their homes if you've been the victim of a predatory loan you're facing foreclosure give us a call.

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

attorney: Howard | Nassiri, LLP

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Can I negotiate a loan modification myself?

Anyone can negotiate a loan modification. The problem is, is that these lenders are so bombarded -- and they are still a little bit reluctant to give the loan modification -- that a lot of times the borrower can the runaround. And the borrower will submit a loan modification application, and the lender never calls them back. Or if they do the lender gives them bad news because their house is worth less than what they owe. And so they give - they tell them they can't get the loan modification. What a lawyer can do is step in and enforce that right. A lawyer can file a lawsuit under the new California loan modification law and have the judge order the loan modification. My name is Damien (sp?) Nassiri. I am a partner in the lawfirm Howard Nassiri. We are based in southern California, and we help people save their homes. If you have been the victim of a predatory loan or you are facing foreclosure, give us a call.

tags: loan modification self-serve mortgage debt relief predatory lending 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 to do a loan modification?

A homeowner in California can attempt a loan modification on their own. But, there is nothing that the homeowner in California can do to force the lender to give them a loan modification unless they go to court and sue. That's the unfortunate reality of it is that the lenders a lot of times are not going be giving the loan modifications because they would rather try and foreclose. Someone in California who wants a loan modification, if they can't get it on their own, should go see a lawyer because a lawyer can enforce that right and sue and go to the court and ask the judge to order the loan modification. My name is Damien Nassiri, I'm a partner in the Law Firm Howard-Nassiri. We're based in Southern California, and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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Does a bank have to modify my loan in California?

A bank will have to modify a loan now in California because of the California Loan Modification Law. If the borrower meets certain criteria, for instance the loan is orginated between 2003 and 2007 and its a loan on their primary residence, the lenders will have to give a loan modification if the borrower can afford to make a payment on the loan that will reap the lender more money than a foreclosure would. Now a lot of times you're going to have to file a law suit because the lenders aren't listening a lot of times. My name is Damien Nesery. I'm a partner in the law firm of Howard Nesery. We're based in Southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure give us a call.

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

attorney: Howard | Nassiri, LLP

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Can I get a loan modification on my second home?

You can get a loan modification in California on a second home. Ah, the new California loan modification law does not cover, ah, rental homes or second homes. But, as you go forward and as time goes by, a foreclosure is a foreclosure whether it is a second home or first home. So, if the lenders are smart, they’ll give you a loan modification. You can’t necessarily sue for that but you can certainly ask for a loan modification. And if you make them a reasonable proposal, a lot of times they'll listen. My name is Damien Nassiri. I am a partner in the law firm Howard Nassiri. We’re based in Southern California and we help people save their homes. If you've been a victim of a predatory loan or you’re facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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Are loan modifications common in California?

Loan modifications are becoming more and more common. Six months ago or a year ago, it was almost unheard of. Lenders were telling us you can't get a loan modification. But now as they are starting to finally wake up and realize how much money they're losing. They're actually becoming more willing to enter into loan modification. A lot of times they won't give you the best deal, however, unless you get an attorney involved or somebody who can actually enforce your legal right to a loan modification, and that's what we're seeing at this time. My name is Damien Nassiri, I'm a partner in the law firm Howard Nassiri. We're based in southern California and we help people save their homes. If you've been the victim of a predatory loan, or you're facing foreclosure give us a call.

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

attorney: Howard | Nassiri, LLP

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Loan modification company or a loan modification attorney?

Loan modification companies a lot of times are the same mortgage brokers who put the bars, was in the bad loans in the first place. They're no longer writing mortgages so they flip over and become loan modification companies. And I've had lot of clients come to me and tell me Dave paid thousand of dollars to some loan modification company that didn't do anything to them. So that's the key difference is that, that even if they do something for you, all the modification company is ask for a new loan as long as a lawyer can demand it. If you can't get it, we'll go to court. My name is Damian Nasirri. I'm a partner in a law firm Howard Nassiri, we're based in Southern California and we help people save their homes. If you've been a victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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What is the California Foreclosure Consultants Act?

The California Foreclosure Consultants Act is a law in California that prevents people from approaching you while you're in foreclosure and asking you for money up front to perform a service for you to help you get out of foreclosure. It's illegal for somebody, such as a mortgage broker, someone other than an attorney to come to you and say, "Give me money now for something I'm going to do for you later". You actually have to perform the service and then get paid for it afterwards because the Legislature has realized that people, when they're in foreclosure, are in a vulnerable situation and they'll do anything to try and save their home. So, it's really a law to protect consumers. Attorneys are exempt from that model because we are licensed by the state and we're held to a higher standard. So, we are able to actually go to somebody and sign them up under a retainer agreement to perform a loan modification. It's okay for us to do that. But, the Legislature has prevented others from doing that. My name is Damian Nassiri. I'm a partner in the Law Firm Howard and Nassiri. We're based in Southern California and we help people save their homes. I've you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

tags: predatory lending foreclosure act 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 to protect me from predatory lending?

There are a number of laws that are on the books right now that are designed to prevent predatory lending practices. The problem is, is that, lenders a lot of times don’t follow those laws. They wait until they get caught and then deal with the problems later, because they’re too busy making money off of the predatory loans. And while the gravy train is running, nobody’s going to try to stop it. So, a lot of these lenders were giving loans that were not, that they shouldn’t have been giving. But the problem was that we only found out now, several years later that this, what kind of a problem this really was. My name is Damion Nassiri. I’m a partner in the law firm Howard Nassiri. We’re based in Southern California and we help people save their homes. If you’ve been the victim of a predatory loan, or you’re facing foreclosure, give us a call.

tags: predatory lending laws that help 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 do I keep my house if I've been the victim of predatory lending?

If you've been the victim of a predatory loan you do have an opportunity to keep your house. If you've been a victim of predatory loan there are a number of different remedies that are available to you. One of them is recision, which is a cancellation of the contract, putting you back in the same position that you were in before you ever got the loan. Another solution would be loan modification, which is a reworking of the loan and basically bringing down the interest rate and the principle balance that you owe, extending the term of the loan, and that will give you an affordable payment that you can keep in your house. Even if you've been late and you've been in default for months, you can still potentially save your home if you've been the victim. My name is Damien Nassiri, I'm a partner in the law firm Howard and Nassiri, we're based in Southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

tags: predatory lending keeping 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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How can a predatory lending attorney help?

A Predatory Lending Attorney can help you because a Predatory Lending attorney can enforce your right to get a new loan. The attorney can negotiate with the lender. A lot of times the lenders are not gonna listen. They are going hope that you go away. But if you have an attorney you can file a lawsuit and once that lender gets served with the lawsuit then they cant run anymore. They gotta step up to the table and its your loan. If you qualify under specially this new California loan modification law then you could be entitled to get a new loan from the lender. My name is Damien Nassiri. I am a partner in a law firm called Howard Nassiri. We are based in Southern California and we help people save their homes. If you have been a victim of Predatory loan or you are facing foreclosure, give us a call.

tags: predatory lending attorney role 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 my loan be restructured if it was made by a predatory lender?

A loan can be restructured if it was made by a predatory lender, and that is even true if your loan has been sold. Many times the originating lender will sell the loan, and it might get sold two or three times. But the laws that are on the books right now - the Federal Truth in Lending Act, and the California Loan Modification Law all say that no matter where the loan is now, if it qualifies, you can get a new loan, get an affordable payment, and something that can help you stay in the home and avoid foreclosure. My name's Damian Nassiri. I'm a partner in the law firm of Howard Nassiri, we're based in southern California, and we help people save their homes. If you've been the victim of a predatory loan, or you're facing foreclosure, give us a call.

tags: predatory lending loan restructure 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 not have to go to court to get your predatory lending case resolved. A few go see a good attorney. A good attorney will be able to negotiate with the lender and hopefully get your loan modified or get your loan restructured, sooner rather than later. However, that same attorney will be ready to go and filed the lawsuit if the case calls for it. A lot of times, lenders will not respond to the attorney's request for a loan modification and in that case there's no choice but to file a lawsuit to get what you deserve under the law. My name is Daiman Nassiri. I'm a partner in the law firm Howard/Nassiri, we're based in Southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

tags: predatory lending court appearance 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 do I fight back against predatory lending?

First step you should take if you feel that you have been a victim of the predatory loan in California is that you should contact an attorney, a good attorney who is experienced in truth and lending matters, predatory lending matters will be able to give you free consultation, sit down talk with you and figure out if there is something that we can do. A lot of times there is something that can be done and most borrowers I have talked to did not even know that these laws existed. They had no idea that they could have a legal right to a loan modification under the new California Loan Modification Law. So, first step I would think would be getting a free consultation from an attorney who will be able to advise you of your rights and be able to help you out if you have been the victim. My name is Damie Nassiri. I am a partner in the law firm Howard-Nassiri. We are based in southern California and we help people save their homes. If you have been the victim of a predatory loan or you are facing foreclosure, give us a call.

tags: predatory lending fighting back 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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Am I a victim of predatory lending?

A lot of times borrowers have a gut feeling that they have been taken advantage of, but they just can't put it into words and just don't know exactly what happened to them. The - once they go and they talk to an attorney, an attorney can analyze their loan documents and review the finance charges and things of that nature to see if there were any hidden broker fees or whether the terms of the loan were accurately disclosed to the borrower. You know, those loan documents are a stack so think that nobody has time to read them. And they'll - the attorney can do that for you, go through and let you know if you have a case. My name is Damien (sp?) Nassiri. I am a partner in the law firm Howard Nasssiri. We are based in southern California, and we help people save their homes. If you have been the victim of a predatory loan or you are facing foreclosure, give us a call.

tags: predatory lending economic bailout 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 will the economic bailout help me keep my home?

The way that the bailout is currently structured right now is that it helps Wallstreet but doesn't really help main street.Yeah, there's really nothing in the current bailout will neatly help a homeowner whose facing foreclosure. There are guidelines within the bailout that the lender should try to give a loan modification but there's nothing that mandates it. So the bailout as it is planned right now will only have a trickle-down effect to borrowers. It will not help them in a mediate way. So if you're facing forclosure, I would suggest an attorney in pursuing your legal right. My name is Danim Nassiri. If you've been a victim of a predatory loan or facing forclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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How does the new California law help me stay in my home?

The nice thing about the new California Loan Modification Law is that it allows any borrower to get a loan modification. You don't have to be the victim of a predatory loan. You just have to meet the basic criteria of someone who had a loan that closed between 03 2003 and 2007. If you have been the victim of a predatory loan, however, that will help your case because when we go before the judge and we ask the judge to enforce the California Loan Modification Law, the judge will most likely have more sympathy for somebody who has also been the victim of a predatory loan and should be more willing to order the lender to give you a loan modification. My name's Damian Nassiri. I'm a partner in the Law Firm Howard Nassiri. We're based in southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

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

attorney: Howard | Nassiri, LLP

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Can a predatory lending lawsuit prevent foreciosure?

It's possible to stop a foreclosure sale with a predatory lending lawsuit. It will be up to the judge's discretion. The judge will have discretion to stop a foreclosure sale if the judge believes that this case has merit, and that the borrower deserves a loan modification that they can afford. A lot of times, before we file a lawsuit we are able to negotiate with the lender, and the lender chooses to stop the foreclosure sale because they understand that an attorney is involved and that an attorney is trying to negotiate a loan modification that will result in a favorable outcome to the lender because the lender will now have a performing loan with a homeowner who's making a payment, which is better than no payment. My name is Damien Nassiri. I'm a partner in the law firm, Howard Nassiri. We're based in Southern California, and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

tags: predatory lending foreclosure mortgage lawsuit debt relief loan modification 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 fighting predatory lenders?

Our firm has helped a number of clients in southern California, Orange County, Riverside County, San Bernadino County. We've helped numerous people save their homes and obtain a loan modification to get a payment that they can afford and so that they can remain in their home. Not one of our clients has been evicted from the home. We've saved people from foreclosure. Can't guarantee that we can do it in every instance but we, so far, have been blessed in that we've been able to help a lot of people keep their homes and we look forward to doing that in the future, too. My name's Damian Nassiri. I'm a partner in the law firm Howard Nassiri. We're based in southern California and we help people save their homes. If you've been the victim of a predatory loan or you're facing foreclosure, give us a call.

tags: predatory lending experience 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's it like to help someone fight against predatory lenders?

It’s a great feeling to help somebody who’s been a victim of a predatory loan. To be able to make that phone call and call the client and let them know that the foreclosure sale has been postponed, that they don’t have to pack up their bags. It’s a great feeling to talk to people who you’ve just helped save their most precious asset. They’ve got kids in school and they don’t want to move, and there is no reason for it. Things can be worked out to get people back on track to be able to make a payment where they can afford to stay in the home and the lender’s not going to lose any more money. So, it really is a good feeling and it’s one that we hope to keep duplicating. My name’s Damion Nassiri. I’m a partner in the law firm Howard Nassiri. We’re based in Southern California and we help people save their homes. If you’ve been the victim of a predatory loan, or you’re facing foreclosure, give us a call.

tags: predatory lending fighting cases 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 Howard | Nassiri's experience with loan modifications?

Our firm has helped numerous people with loan modification to help save their home, it's a simple process that we involve ourselves with getting the financial information from the client a fair market value through comps and other resources, and we are able to put packages together that the lenders can look at. It's easy for them to work with us because we put everything in there, it's concise and that really helps streamline the process to get the result that the client needs in order to keep the home. That's something that we've been doing at our firm and something that we will continue to do every day. My name is Damian Nassiri, I'm a partner in the law firm of Howard/Nassiri, we are based in Southern California, and we help people save their homes. If you've been the victim of a preditory loan or you're facing forclosure give us a call.

tags: loan modification experience 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's it like to help someone stay in their home?

Feels great to help someone modify their loan because it means they are going to be able to keep the loan. It also has a bigger impact on the economy. If we can get all of these non-preforming loans to preform through loan modifications, I really, truly believe that would be as much of a help, if not more of a help, than the current bail out. Because that is the problem right now in California and across the nation, as we have all these people that are in default because they simply can't afford to pay the mortgage after it increases. After the interest rate goes up and they are good people, they are hard working people and they want to make a loan payment. It's just that the predatory loan has made it as such that they can no longer make that increased payment. My name is Damian Nassiri, I'm a partner in the law firm Howard/Nassiri, we're based in Southern California. And we help people save their homes. If you've been the victim of a predatory loan, or you're facing foreclosure, give us a call.

tags: loan modification why we help 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 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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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