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Initial Client Guide: Loan Modifications and Loan Workout Agreements

As our client for loan modification and loan workouts, we require certain due diligence documents so we can do our job to help you achieve your goals. Below this summary is a DOCUMENT CHECKLIST of items we need as well as MANDATORY BORROWER INFO WORKSHEET that help us organize your case and prepare for underwriting the loan modification or workout documentation.

Download Document Checklist PDF
Download Mandatory Borrower Information PDF

“I interviewed a couple of law firms and feel grateful and blessed for Financial Relief Law Center. Victor Ugarte is beyond amazing. Compassionate, empathetic, and very knowledgeable.”

- Debora S.

Initial Client Guide: General Insolvency and Bankruptcy Clients

The documentation we collect for general insolvency and bankruptcy is similar to loan modification and workout agreements, and quite frequently, our clients request our services for both to enable them to obtain a fresh start. Bankruptcy creates something called an automatic stay in most scenarios that enables us time within the bankruptcy case to work on the loan modification and loan workout.

1. Credit Counseling

The first step is to take credit counseling which should take between one and two hours and will generate a certificate that we need to file with your bankruptcy paperwork.
The Lawcenter has accounts with the following companies. Please use the attorney code both on the first and second courses if you use these companies:
BothCourses.com
  • Use Attorney Code AW546
  • Online Courses (Same fees for individual or joint filers)
  • $ 14.99 for the Credit Counseling Course (No Additional cost for Joint Filers)
  • $ 7.99 for the Debtor Education Course
  • Telephonic Courses
  • $ 20.00 for the Credit Counseling (Additional $10 for Joint Filers)
  • $ 20.00 for the Debtor Education
Cricket Debt Counseling
  • Use Attorney Code 214970
Incharge
  • Attorney Code bwlawcenter
‚ÄčAccess Counseling Inc.
  • Use Attorney Code: AW22373
Abacus Credit Counseling
  • Use Attorney Code: ACC97854
CC Advising - 1st Pre-Filing Credit Counseling Course.
  • CC Advising offers the first course but you need to use a different company for your second course after filing
Allen Credit & Debt Counseling Agency
  • Use Attorney Code: FR19775
US DOJ Approved Credit Counseling Agencies
  • The US DOJ has a list of approved credit counseling agencies. We are not affiliated with any of these companies, nor do we approve or endorse any specific company. Use any company approved by the US DOJ that you would like to obtain your credit counseling and debtor education certificates. Your are not required to use the two options above, we merely provide you this information as a service and option for two approved companies you may use.

2. Document Transmission

Please transmit sensitive documents by email (as a PDF), fax, mail, or in person. Go to the Contact Us page if you need any help along the way.

What Makes Us Different

  • 25+ Years of Combined Legal Experience

    Our team of attorneys has extensive knowledge of bankruptcy and estate planning law, with over two decades of combined experience between them.

  • Solutions Fit for Your Unique Case

    No two individuals, or their cases, are ever identical. We seek to provide viable solutions that your unique case deserves.

  • Constant Client Communication

    You won't be out of the loop! We make sure all of our clients are up-to-date with the status of their case.

  • Free Consultations

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We take you and your case seriously. Contact us today for a free initial consultation and we will get back to you shortly!

We Serve Most Counties throughout California!