We have been protecting consumers for nearly 40 years, from foreclosure, collection agencies, banks, credit unions and identity theft.
FORECLOSURE: if you have received a Notice of Default and Election to Sell, then your home is in foreclosure. We help resolve this situation so you may keep your home with a Petition for Foreclosure Mediation Assistance. Please call for a consultation as to how this works and what the possible outcomes are. If you wish to leave your property, we can help with short sales and “cash for keys”.
REPOSSESSION: if you have had a car, truck or motor home repossessed, we can help. Frequently, the creditor will make mistakes in the process which may entitle you to damages. Repossessions almost always result in deficiencies [no car but you still owe the bank]. We can help to resolve these without filing for bankruptcy.
COLLECTION AGENCIES: if you have an account that’s put out for collection, there are very strict rules that must be followed by debt collectors, and if they are not, then you may be entitled to damages, forgiveness of the obligation and other relief. [unfortunately we can not help with student loans]
LAWSUITS: if a credit card company has sued you for a past due debt, we can defend these kinds of suits, or show you how to defend them yourself. There are many aspects to this kind of litigation that the average person will know nothing about, so let us help.
DEBT ADJUSTMENT: many people have too much credit card type debt and feel like they are drowning in it. If you can not, or do not wish to go bankrupt, then there are all alternatives that do not involve further borrowing, which we can explore with you. In the event you are just too far “underwater” we an make appropriate referrals to bankruptcy counsel, as this office does not help people file for bankruptcy.