The Law Offices of Eugene A. Ahtirski, with convenient locations throughout the State of California,
our offices have over 40 years of combined legal experience. Our firm has one purpose: To protect your legal rights. Who doesn't want a bull dog in their corner? We give you piece of mind with one a simple call.
Loan Modifications are often one of the most trying experiences a person can face. Contact us now for a free consultation either by telephone, email, or by form. So, if you or a loved one are currently behind in your payment , being harassed by annoying phone calls or just worried about how you are going to continue making these payments, contact us immediately.
Understanding the nature of the current state of the economy, we are also willing to work with you in the payment of legal fees. Protecting your constitutional rights is our job.
Loan Modifications & Stopping Foreclosure:
We use the skills of an attorney combined with the knowledge of staff
members with combined real estate and mortgage industry experience to negotiate
directly with mortgage lenders.
Based on the facts of your individual case, possible outcomes may include:
- Reduced Interest Rates
- Extended Terms of Existing Mortgage Loans
- Temporary Interest-Only Payment Plans
- Reduction of Principal Balance
- Short Sales at a Price Mutually Agreeable to You and Your Lender
- Avoid Foreclosure
- Removal of Erroneous Late Payment Reporting to the Credit Bureaus
- As with most legal matters, our attorneys cannot guarantee any particular outcome in your case.
We are committed to providing you with outstanding service, thoughtful counsel, zealous advocacy in dealing with your mortgage
lender and we’ll return your calls.
Here Are Some of the Basic Options Available to You When You Work With Us:
§ Loan Restructure or Modification - We can negotiate with your lender to get your loan in good standing again. This can be accomplished through a separate payment plan for your delinquency or even adding the delinquency to the end of your loan. Most of the time we can even lower your monthly payment and reduce your interest rate.
§ Reinstatement - Pay your lender(s) your entire past due payments to bring your mortgage current. This option is rarely feasible unless as part of a loan restructure.
§ Refinance - Only a viable option if there is enough equity in your property available and your credit is in good standing. Rarely feasible these days.
§ Short Sale or Sell Your Home - You may simply sell your home before the Foreclosure Sale Date. Sometimes the home owner is unable to sell the home outright at the desired sale price and this is not an option.
§ Deed-in-lieu of Foreclosure - We may be able to arrange for you to simply give the home back to the lender and walk away with a clean slate.
§ Bankruptcy - If you miss one payment during this process the lender will put you right back into foreclosure. However it may be a viable option for many, especially if you have very little assets and a lot of debt. We can help you file for Ch. 7 and Ch. 13 Bankruptcy. Let us help you get back on track and become debt free.
Our Bankruptcy Legalities includes:
- Chapter 7
- Chapter 11
- Chapter 13
- Debt Negotiation
- Debt Consolidation
- Credit Counseling Services
- Loan Modification
- Mortgage Litigation
- Stopping Foreclosure
Above serving - Loan Modification services will not be performed unless in conjunction with Bankruptcy services http://cabankruptcyatty.com/
We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.
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